{"id":15119,"date":"2025-10-27T12:01:07","date_gmt":"2025-10-27T17:01:07","guid":{"rendered":"https:\/\/twinn.ca\/?p=15119"},"modified":"2025-12-05T01:23:08","modified_gmt":"2025-12-05T06:23:08","slug":"regime-enregistre-depargne-retraite","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-enregistre-depargne-retraite\/","title":{"rendered":"R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite : est-ce avantageux?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Offrir un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite est l\u2019une des fa\u00e7ons les plus simples et efficaces d\u2019aider les employ\u00e9s \u00e0 b\u00e2tir une s\u00e9curit\u00e9 financi\u00e8re durable. Que vous soyez une jeune entreprise cherchant \u00e0 attirer les talents ou une organisation \u00e9tablie voulant optimiser son offre d\u2019\u00e9pargne, un REER collectif bien con\u00e7u renforce la r\u00e9tention, la motivation et la valeur per\u00e7ue des avantages offerts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous verrons comment fonctionne ce r\u00e9gime d\u2019\u00e9pargne, ses avantages fiscaux, comment l\u2019int\u00e9grer \u00e0 votre strat\u00e9gie d\u2019avantages sociaux, ainsi que les meilleures pratiques pour stimuler la participation.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15119_5988e2-34{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15119_5988e2-34 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_5988e2-34 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_5988e2-34 > .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-id15119_5988e2-34{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-id15119_5988e2-34 > .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-id15119_5988e2-34{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-id15119_5988e2-34{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id15119_5988e2-34 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id15119_5988e2-34 > .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-id15119_5988e2-34{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-id15119_5988e2-34 > .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-id15119_5988e2-34{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-id15119_5988e2-34 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-column15119_281b95-98 > .kt-inside-inner-col,.kadence-column15119_281b95-98 > .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-column15119_281b95-98 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_281b95-98 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_281b95-98 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_281b95-98 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_281b95-98{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_281b95-98 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_281b95-98 > .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-column15119_281b95-98\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e, .wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e[data-kb-block=\"kb-adv-heading15119_c7e618-0e\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e[data-kb-block=\"kb-adv-heading15119_c7e618-0e\"] 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-heading15119_c7e618-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e[data-kb-block=\"kb-adv-heading15119_c7e618-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e, .wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e[data-kb-block=\"kb-adv-heading15119_c7e618-0e\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e, .wp-block-kadence-advancedheading.kt-adv-heading15119_c7e618-0e[data-kb-block=\"kb-adv-heading15119_c7e618-0e\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading15119_c7e618-0e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_c7e618-0e\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_768b1d-0e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_768b1d-0e 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-items15119_768b1d-0e ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items15119_768b1d-0e 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-items15119_768b1d-0e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_0843ec-5b .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15119_0843ec-5b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_0843ec-5b\"><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 <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER collectif)<\/strong> permet aux employ\u00e9s d\u2019\u00e9pargner automatiquement gr\u00e2ce aux retenues sur la paie, souvent avec une cotisation de l\u2019employeur.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_fa9947-49 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15119_fa9947-49 .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-15119_fa9947-49\"><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\">Les cotisations sont d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit le revenu imposable tout en favorisant l\u2019\u00e9pargne-retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_06a793-0b .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15119_06a793-0b .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-15119_06a793-0b\"><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\">Les employeurs peuvent encourager la participation gr\u00e2ce \u00e0 diff\u00e9rents mod\u00e8les de cotisation ou d\u2019incitatifs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_331313-3b .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15119_331313-3b .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-15119_331313-3b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le r\u00e9gime peut \u00eatre administr\u00e9 par des assureurs comme Sun Life, Manuvie, Desjardins ou Canada Vie, ce qui facilite l\u2019int\u00e9gration \u00e0 la paie.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_66df70-de .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15119_66df70-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-15119_66df70-de\"><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\">Combin\u00e9 \u00e0 d\u2019autres avantages, un REER collectif renforce la sant\u00e9 financi\u00e8re et la fid\u00e9lisation \u00e0 long terme.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-group-rrsp\">Qu\u2019est-ce qu\u2019un REER collectif?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif est la version en milieu de travail du <a href=\"https:\/\/www.gerezmieuxvotreargent.ca\/chemin-dapprentissage\/reer\/frais-associes-aux-fonds-enregistres-de-revenu-de-retraite\/\" data-type=\"link\" data-id=\"https:\/\/www.gerezmieuxvotreargent.ca\/chemin-dapprentissage\/reer\/frais-associes-aux-fonds-enregistres-de-revenu-de-retraite\/\" target=\"_blank\" rel=\"noopener\">REER individuel<\/a>, mais pens\u00e9 pour simplifier l\u2019\u00e9pargne et la rendre accessible. Il suit les m\u00eames r\u00e8gles de l\u2019ARC qu\u2019un REER personnel, avec une diff\u00e9rence cl\u00e9: les cotisations sont pr\u00e9lev\u00e9es directement sur la paie et souvent \u00e9gal\u00e9es, en partie ou en totalit\u00e9, par l\u2019employeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette structure automatique enl\u00e8ve la pression de \u00ab penser \u00e0 \u00e9pargner \u00bb et transforme la planification \u00e0 long terme en r\u00e9flexe r\u00e9gulier. Pour l\u2019employeur, c\u2019est une fa\u00e7on rentable d\u2019offrir un avantage concret sans la complexit\u00e9 r\u00e9glementaire d\u2019un r\u00e9gime de pension traditionnel.<\/p>\n\n\n<style>.kb-image15119_94f211-7e .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15119_94f211-7e size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/employees-participating-in-group-registered-retirement-savings-plan-represented-by-piggy-bank.webp\" alt=\"Les employ\u00e9s participant au r\u00e9gime collectif enregistr\u00e9 d\u2019\u00e9pargne-retraite repr\u00e9sent\u00e9s par une tirelire\" class=\"kb-img wp-image-15055\" title=\"Les employ\u00e9s participant au r\u00e9gime collectif enregistr\u00e9 d\u2019\u00e9pargne-retraite repr\u00e9sent\u00e9s par une tirelire\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/employees-participating-in-group-registered-retirement-savings-plan-represented-by-piggy-bank.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/employees-participating-in-group-registered-retirement-savings-plan-represented-by-piggy-bank-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/employees-participating-in-group-registered-retirement-savings-plan-represented-by-piggy-bank-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-add-a-group-rrsp-to-your-benefits-plan\">Pourquoi ajouter un REER collectif \u00e0 votre programme d\u2019avantages?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Inclure un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite dans votre offre d\u00e9montre un engagement r\u00e9el envers le futur financier de votre \u00e9quipe. Cela permet aux employ\u00e9s d\u2019\u00e9pargner simplement et aide les employeurs \u00e0 se d\u00e9marquer dans un march\u00e9 du travail comp\u00e9titif.<\/p>\n\n\n<style>.kb-row-layout-id15119_221dd4-6b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_221dd4-6b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_221dd4-6b > .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-xs, 1rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15119_221dd4-6b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15119_221dd4-6b > .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-id15119_221dd4-6b > .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-id15119_221dd4-6b 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-column15119_8d3956-02 > .kt-inside-inner-col,.kadence-column15119_8d3956-02 > .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-column15119_8d3956-02 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_8d3956-02 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_8d3956-02 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_8d3956-02 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_8d3956-02{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_8d3956-02 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_8d3956-02 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_8d3956-02\"><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-items15119_84c891-5c:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_84c891-5c 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-items15119_84c891-5c ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_84c891-5c ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_84c891-5c 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-items15119_84c891-5c kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_369bb0-8f .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-15119_369bb0-8f\"><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>Attirer et retenir les talents :<\/strong> Un REER collectif montre une vision stable et un souci du bien-\u00eatre \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_8dca92-4e .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-15119_8dca92-4e\"><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>Mod\u00e8le de contribution flexible :<\/strong> Choisissez votre niveau: \u00e9quivalence compl\u00e8te, partielle ou montant fixe.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_b67649-dc .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-15119_b67649-dc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages fiscaux :<\/strong> Les cotisations de l\u2019employeur sont d\u00e9ductibles et exemptes de RPC\/RRQ et AE.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_24bc75-6a .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-15119_24bc75-6a\"><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>Facile \u00e0 administrer :<\/strong> G\u00e9r\u00e9e par des fournisseurs \u00e9tablis, avec tr\u00e8s peu d\u2019entretien pour l\u2019employeur.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_7a06fb-13 .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-15119_7a06fb-13\"><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>Renforce la loyaut\u00e9 :<\/strong> La constance des cotisations inspire confiance et am\u00e9liore la r\u00e9tention.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col,.kadence-column15119_e0ee7d-14 > .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-column15119_e0ee7d-14 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_e0ee7d-14{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_e0ee7d-14 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_e0ee7d-14\"><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-items15119_fcfa35-c7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_fcfa35-c7 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-items15119_fcfa35-c7 ul.kt-svg-icon-list{grid-row-gap:11px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_fcfa35-c7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_fcfa35-c7 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-items15119_fcfa35-c7 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_efff19-7a .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-15119_efff19-7a\"><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>Sauvegarde automatique :<\/strong> Les retenues salariales rendent l\u2019\u00e9pargne-retraite simple et constante.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_fc35e2-50 .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-15119_fc35e2-50\"><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>\u00c9conomies d\u2019imp\u00f4t imm\u00e9diates :<\/strong> Les cotisations r\u00e9duisent le revenu imposable sans attendre la d\u00e9claration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_4bc419-85 .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-15119_4bc419-85\"><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>Cotisations de l\u2019employeur :<\/strong> Une participation patronale acc\u00e9l\u00e8re la croissance de l\u2019\u00e9pargne.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_84628b-83 .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-15119_84628b-83\"><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>Choix de placements<\/strong> <strong>:<\/strong> Acc\u00e8s \u00e0 des fonds professionnels selon le profil de risque.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_b2626e-fb .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-15119_b2626e-fb\"><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>Portabilit\u00e9 :<\/strong> En cas de d\u00e9part, les fonds peuvent \u00eatre transf\u00e9r\u00e9s vers un REER personnel sans p\u00e9nalit\u00e9.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15119_18834a-af{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15119_18834a-af > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_18834a-af > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_18834a-af > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15119_18834a-af{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id15119_18834a-af > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id15119_18834a-af{box-shadow:0px 3px 24px 8px rgba(0, 0, 0, 0.2);}.kb-row-layout-id15119_18834a-af{background-color:#dfeee4;}.kb-row-layout-id15119_18834a-af > .kt-row-layout-overlay{opacity:0.25;}@media all and (max-width: 1024px){.kb-row-layout-id15119_18834a-af > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15119_18834a-af > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_18834a-af 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-column15119_86a979-74 > .kt-inside-inner-col,.kadence-column15119_86a979-74 > .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-column15119_86a979-74 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_86a979-74 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_86a979-74 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_86a979-74 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_86a979-74, .kadence-column15119_86a979-74 h1, .kadence-column15119_86a979-74 h2, .kadence-column15119_86a979-74 h3, .kadence-column15119_86a979-74 h4, .kadence-column15119_86a979-74 h5, .kadence-column15119_86a979-74 h6{color:var(--global-palette5, #4A5568);}.kadence-column15119_86a979-74{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_86a979-74 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_86a979-74 > .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-column15119_86a979-74\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb, .wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb[data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\"]{padding-left:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-style:normal;border-left:2px solid #08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb[data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\"] 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-heading15119_0ae0a1-fb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb[data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb, .wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb[data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\"]{border-left:2px solid #08a102;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb, .wp-block-kadence-advancedheading.kt-adv-heading15119_0ae0a1-fb[data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\"]{border-left:2px solid #08a102;}}<\/style>\n<p class=\"kt-adv-heading15119_0ae0a1-fb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_0ae0a1-fb\">Selon une <a href=\"https:\/\/hoopp.com\/docs\/default-source\/about-hoopp-library\/advocacy\/2021-canadian-employer-pension-survey-report-presentation-deck.pdf\" data-type=\"link\" data-id=\"https:\/\/hoopp.com\/docs\/default-source\/about-hoopp-library\/advocacy\/2021-canadian-employer-pension-survey-report-presentation-deck.pdf\" target=\"_blank\" rel=\"noopener\">\u00e9tude de 2021<\/a>, les employeurs offrant un r\u00e9gime d\u2019\u00e9pargne-retraite, dont les r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite, ont observ\u00e9 une am\u00e9lioration nette de <strong>21 %<\/strong> de la productivit\u00e9, contre <strong>7 %<\/strong> chez ceux n\u2019offrant aucun avantage d\u2019\u00e9pargne.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">En simplifiant l\u2019\u00e9pargne \u00e0 long terme, le r\u00e9gime collectif d\u2019\u00e9pargne-retraite inscrit renforce la confiance financi\u00e8re des employ\u00e9s et renforce la r\u00e9putation de l\u2019employeur pour ses avantages tourn\u00e9s vers l\u2019avenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"when-a-group-rrsp-is-the-right-fit-and-when-it-s-not\">Quand un REER est le bon choix (et quand il ne l\u2019est pas)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif peut \u00eatre un puissant outil de r\u00e9tention et de r\u00e9mun\u00e9ration, mais il ne convient pas \u00e0 tous les mod\u00e8les d\u2019affaires. Avant de l\u2019adopter, l\u2019employeur doit v\u00e9rifier si sa main-d\u2019\u0153uvre, sa tr\u00e9sorerie et sa strat\u00e9gie de r\u00e9mun\u00e9ration cadrent bien avec la structure du REER collectif.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"when-a-group-rrsp-is-a-good-fit\">Quand un REER collectif est un bon choix<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e78c37-4d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e78c37-4d 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-items15119_e78c37-4d ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e78c37-4d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_e78c37-4d 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-items15119_e78c37-4d kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_1cc331-e8 .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-15119_1cc331-e8\"><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>Vous voulez des cotisations pr\u00e9visibles et un budget stable<\/strong><br>L\u2019employeur peut fixer une cotisation d\u2019\u00e9quivalence (ex. 3 %), ce qui facilite la pr\u00e9vision des co\u00fbts annuels.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_096266-79 .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-15119_096266-79\"><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>Votre main-d\u2019\u0153uvre valorise l\u2019\u00e9pargne \u00e0 long terme<\/strong><br>Les secteurs comme les firmes professionnelles, la technologie, la finance, la sant\u00e9 et l\u2019\u00e9ducation affichent souvent des taux de participation \u00e9lev\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_bfe2d8-1b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_bfe2d8-1b\"><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>Vous souhaitez un r\u00e9gime simple auquel les employ\u00e9s peuvent cotiser<\/strong><br>Contrairement au RPDB, les employ\u00e9s peuvent ajouter leurs propres cotisations par retenue sur la paie.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_aa35bb-3e .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-15119_aa35bb-3e\"><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>Vous voulez un avantage qui soutient le recrutement et la r\u00e9tention<\/strong><br>Un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite avec cotisation de l\u2019employeur attire particuli\u00e8rement les employ\u00e9s qualifi\u00e9s et fid\u00e8les.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_ef2fe1-56 .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-15119_ef2fe1-56\"><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>Votre entreprise pr\u00e9f\u00e8re une conformit\u00e9 all\u00e9g\u00e9e<\/strong><br>Les REER collectifs n\u2019exigent aucune inscription aupr\u00e8s de l\u2019ARC et comportent beaucoup moins d\u2019obligations qu\u2019un r\u00e9gime de pension.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"when-a-group-rrsp-is-not-a-good-fit\">Quand un REER collectif n\u2019est pas un bon choix<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_913e69-76:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_913e69-76 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-items15119_913e69-76 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_913e69-76 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_913e69-76 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-items15119_913e69-76 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_994b65-a0 .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-15119_994b65-a0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle 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\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Votre tr\u00e9sorerie est instable et vous ne pouvez pas garantir une cotisation r\u00e9guli\u00e8re<\/strong><br>Contrairement aux RPDB, les REER collectifs fonctionnent mieux avec des cotisations constantes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_b9a239-b6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_b9a239-b6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle 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\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Votre main-d\u2019\u0153uvre est tr\u00e8s saisonni\u00e8re ou transitoire<\/strong><br>Les employ\u00e9s de courte dur\u00e9e peuvent cotiser et retirer rapidement, ce qui r\u00e9duit la valeur du r\u00e9gime.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_c9dec7-03 .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-15119_c9dec7-03\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle 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\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous souhaitez un avantage soumis \u00e0 une p\u00e9riode d\u2019acquisition<\/strong><br>Les REER collectifs n\u2019ont aucun droit diff\u00e9r\u00e9: les cotisations appartiennent imm\u00e9diatement \u00e0 l\u2019employ\u00e9, ce qui limite l\u2019effet de r\u00e9tention.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_cf8e27-c8 .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-15119_cf8e27-c8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle 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\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous voulez un contr\u00f4le strict sur les retraits<\/strong><br>Les employ\u00e9s peuvent retirer en tout temps (sauf en cas de structure verrouill\u00e9e), ce qui peut r\u00e9duire l\u2019impact des cotisations de l\u2019employeur.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_dfe7d1-08 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_dfe7d1-08\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle 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\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous voulez offrir des cotisations \u00e9lev\u00e9es sans r\u00e9duire le plafond REER<\/strong><br>Les RPDB ou r\u00e9gimes de pension sont mieux adapt\u00e9s lorsque l\u2019employeur finance une plus grande proportion des \u00e9conomies.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-group-rrsps-work\">Comment fonctionnent les REER collectifs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif fonctionne comme un REER individuel, mais g\u00e9r\u00e9 de mani\u00e8re centralis\u00e9e par l\u2019employeur. Les cotisations sont pr\u00e9lev\u00e9es automatiquement sur la paie, et l\u2019employeur peut \u00e9galer tout ou partie de ces montants pour encourager l\u2019\u00e9pargne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce m\u00e9canisme simplifie l\u2019\u00e9pargne et transforme la planification financi\u00e8re en habitude r\u00e9guli\u00e8re. Voici comment cela se traduit concr\u00e8tement:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_205142-e9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_205142-e9 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:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_205142-e9 ul.kt-svg-icon-list{grid-row-gap:24px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_205142-e9 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_205142-e9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_205142-e9 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-items15119_205142-e9: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-items15119_205142-e9: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-items15119_205142-e9: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-items15119_205142-e9 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_0c2771-fc .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-15119_0c2771-fc\"><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=\"3\" 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\">Qui est admissible :<\/mark><\/strong> Tout employ\u00e9 \u00e0 temps plein ou partiel peut participer. L\u2019employeur peut exiger une p\u00e9riode minimale avant de commencer \u00e0 verser une \u00e9quivalence, mais toutes les cotisations des employ\u00e9s leur appartiennent imm\u00e9diatement puisqu\u2019un REER collectif n\u2019a aucune p\u00e9riode d\u2019acquisition.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_b3c263-ea .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-15119_b3c263-ea\"><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=\"3\" 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 data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">R\u00e8gles de contribution :<\/mark><\/strong> L\u2019employeur et l\u2019employ\u00e9 peuvent contribuer, jusqu\u2019\u00e0 concurrence de la limite annuelle de l\u2019ARC. Pour 2025, il s\u2019agit de 18 % du revenu gagn\u00e9, jusqu\u2019\u00e0 un maximum de 32 490 $. (Vous pouvez confirmer votre plafond via un <a href=\"https:\/\/www.gerezmieuxvotreargent.ca\/calculatrices\/calculatrice-epargne-reer\/\" data-type=\"link\" data-id=\"https:\/\/www.gerezmieuxvotreargent.ca\/calculatrices\/calculatrice-epargne-reer\/\" target=\"_blank\" rel=\"noopener\">calculateur de REER<\/a> ou par le portail Mon Dossier de l\u2019ARC.)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_7a4097-32 .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-15119_7a4097-32\"><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=\"3\" 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\">Investissement :<\/mark><\/strong> Les fonds sont investis dans des portefeuilles diversifi\u00e9s offerts par des fournisseurs comme Sun Life, Manuvie, Desjardins ou Canada Vie. L\u2019employ\u00e9 peut choisir sa r\u00e9partition ou utiliser un fonds \u00e0 date cible selon son horizon de retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_d5e3dc-14 .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-15119_d5e3dc-14\"><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=\"3\" 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\">Administration :<\/mark><\/strong> La plupart des assureurs g\u00e8rent l\u2019ensemble du processus: ouverture du compte, portail en ligne, relev\u00e9s et feuillets fiscaux. Le tout est g\u00e9n\u00e9ralement plus simple \u00e0 administrer qu\u2019un r\u00e9gime de pension formel, tout en offrant une valeur r\u00e9elle aux employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_663909-fd .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-15119_663909-fd\"><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=\"3\" 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\">Retraits et transferts :<\/mark><\/strong> Lorsqu\u2019un employ\u00e9 quitte l\u2019entreprise, son \u00e9pargne peut \u00eatre transf\u00e9r\u00e9 vers un REER personnel ou un autre r\u00e9gime d\u2019employeur. Les retraits avant la retraite sont possibles mais imposables, ce qui fait du transfert une option plus judicieuse pour la croissance \u00e0 long terme.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15119_d4f5f4-f0{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15119_d4f5f4-f0{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id15119_d4f5f4-f0{box-shadow:0px 3px 24px 8px rgba(0, 0, 0, 0.2);}.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-layout-overlay{opacity:0.25;}@media all and (max-width: 1024px){.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15119_d4f5f4-f0 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_d4f5f4-f0 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-column15119_4a62b0-5a > .kt-inside-inner-col,.kadence-column15119_4a62b0-5a > .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-column15119_4a62b0-5a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_4a62b0-5a > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_4a62b0-5a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_4a62b0-5a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_4a62b0-5a, .kadence-column15119_4a62b0-5a h1, .kadence-column15119_4a62b0-5a h2, .kadence-column15119_4a62b0-5a h3, .kadence-column15119_4a62b0-5a h4, .kadence-column15119_4a62b0-5a h5, .kadence-column15119_4a62b0-5a h6{color:var(--global-palette5, #4A5568);}.kadence-column15119_4a62b0-5a{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_4a62b0-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_4a62b0-5a > .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-column15119_4a62b0-5a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48, .wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;border-left:2px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"] .kb-adv-heading-icon{color:#08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"] 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-heading15119_d48eaf-48 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48, .wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"]{border-left:2px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48, .wp-block-kadence-advancedheading.kt-adv-heading15119_d48eaf-48[data-kb-block=\"kb-adv-heading15119_d48eaf-48\"]{border-left:2px solid transparent;}}<\/style><h5 class=\"kt-adv-heading15119_d48eaf-48 wp-block-kadence-advancedheading kt-adv-heading-has-icon has-theme-palette5-color has-text-color\" data-kb-block=\"kb-adv-heading15119_d48eaf-48\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_question-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">REER collectif vs REER individuel<\/span><\/h5>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d, .wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d[data-kb-block=\"kb-adv-heading15119_e623c8-4d\"]{padding-left:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-style:normal;border-left:2px solid #08a102;}.wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d[data-kb-block=\"kb-adv-heading15119_e623c8-4d\"] 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-heading15119_e623c8-4d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d[data-kb-block=\"kb-adv-heading15119_e623c8-4d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d, .wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d[data-kb-block=\"kb-adv-heading15119_e623c8-4d\"]{border-left:2px solid #08a102;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d, .wp-block-kadence-advancedheading.kt-adv-heading15119_e623c8-4d[data-kb-block=\"kb-adv-heading15119_e623c8-4d\"]{border-left:2px solid #08a102;}}<\/style>\n<p class=\"kt-adv-heading15119_e623c8-4d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_e623c8-4d\">M\u00eame s\u2019ils sont tous deux des r\u00e9gimes enregistr\u00e9s, le REER collectif est parrain\u00e9 par l\u2019employeur, ce qui facilite sa mise en place et r\u00e9duit les co\u00fbts. Lorsqu\u2019un employ\u00e9 quitte, il peut transf\u00e9rer ses \u00e9conomies vers un REER personnel, assurant la continuit\u00e9 du placement.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image15119_60a8d3-ba .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15119_60a8d3-ba size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/team-business-people-working-with-new-startup-project.webp\" alt=\"\" class=\"kb-img wp-image-15074\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/team-business-people-working-with-new-startup-project.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/team-business-people-working-with-new-startup-project-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/team-business-people-working-with-new-startup-project-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-treatment\">Traitement fiscal<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les cotisations au <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif suivent un traitement fiscal simple: les cotisations de l\u2019employeur sont consid\u00e9r\u00e9es comme un avantage imposable, mais imm\u00e9diatement compens\u00e9es par la d\u00e9duction REER, ce qui laisse un revenu imposable net de z\u00e9ro. Pour l\u2019employeur, les cotisations sont enti\u00e8rement d\u00e9ductibles comme d\u00e9pense d\u2019entreprise, ce qui en fait une alternative rentable \u00e0 une augmentation salariale. Les employ\u00e9s b\u00e9n\u00e9ficient aussi de la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t, ce qui permet \u00e0 leur \u00e9pargne de cro\u00eetre plus rapidement que s\u2019ils recevaient le m\u00eame montant apr\u00e8s imp\u00f4t.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"cost-breakdown-vs-cash-bonus\">Ventilation des co\u00fbts vs. prime en argent<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019employeur verse <strong>2 000 $<\/strong> dans un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif pour un employ\u00e9 gagnant <strong>70 000 $<\/strong>.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"employer-side\">C\u00f4t\u00e9 employeur<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contribution : <strong>2 000 $<\/strong><\/li>\n\n\n\n<li>Charges sociales:\n<ul class=\"wp-block-list\">\n<li>Le RPC\/RRQ et l\u2019AE s\u2019appliquent, car la cotisation est consid\u00e9r\u00e9e comme revenu d\u2019emploi imposable.<\/li>\n\n\n\n<li>Co\u00fbt estim\u00e9 de la paie de l\u2019employeur : <strong>~107 $<\/strong>\n<ul class=\"wp-block-list\">\n<li>Part de l\u2019employeur du CPP (5,95%) : ~119 $ sur 2 000 $ (mais plafonn\u00e9 selon les b\u00e9n\u00e9fices cumul\u00e9s depuis l\u2019ann\u00e9e \u2014 en utilisant l\u2019hypoth\u00e8se plafonn\u00e9e \u2192 environ 100 $)<\/li>\n\n\n\n<li>Part de l\u2019employeur \u00e0 l\u2019AE (1,4 \u00d7 AEemploy\u00e9) : ~7 $<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Co\u00fbt total de l\u2019employeur : ~2 107 $<\/strong><\/li>\n\n\n\n<li>Le total de 2 107 $ est <strong>d\u00e9ductible d\u2019imp\u00f4t<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"employee-side\">C\u00f4t\u00e9 employ\u00e9<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Re\u00e7oit les 2 000 $ comme avantage imposable, mais b\u00e9n\u00e9ficie imm\u00e9diatement d\u2019une <strong>d\u00e9duction<\/strong> \u00e9quivalente, ce qui donne <strong>0 $ de revenu imposable net<\/strong>.<\/li>\n\n\n\n<li>La cotisation cro\u00eet \u00e0 l\u2019abri de l\u2019imp\u00f4t dans le REER.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"if-the-employer-had-paid-a-2-000-cash-bonus-instead\">Si l\u2019employeur versait plut\u00f4t une prime en argent de 2 000 $\u2026<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019employ\u00e9 paie l\u2019imp\u00f4t imm\u00e9diatement (taux marginal de 29,65 % en Ontario, \u00e0 titre d\u2019exemple).\n<ul class=\"wp-block-list\">\n<li>Il ne garde qu\u2019environ <strong>1 407 $ apr\u00e8s imp\u00f4t<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>L\u2019employeur paie les m\u00eames charges sociales (~107 $).<\/li>\n\n\n\n<li>Co\u00fbt pour l\u2019employeur: ~2 107 $, mais l\u2019employ\u00e9 re\u00e7oit beaucoup moins en valeur nette.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En comparaison, une cotisation au <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> donne \u00e0 l\u2019employ\u00e9 la <strong>valeur enti\u00e8re<\/strong> des 2 000 $, pour le <strong>m\u00eame co\u00fbt<\/strong> du c\u00f4t\u00e9 employeur. C\u2019est largement plus efficace qu\u2019une prime imposable.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15119_aefb29-d1{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15119_aefb29-d1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_aefb29-d1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_aefb29-d1 > .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-id15119_aefb29-d1{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-id15119_aefb29-d1 > .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-id15119_aefb29-d1 > .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-id15119_aefb29-d1 > .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-id15119_aefb29-d1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_aefb29-d1 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-column15119_2f4c05-0e > .kt-inside-inner-col,.kadence-column15119_2f4c05-0e > .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-column15119_2f4c05-0e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_2f4c05-0e > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_2f4c05-0e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_2f4c05-0e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_2f4c05-0e{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_2f4c05-0e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_2f4c05-0e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_2f4c05-0e\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15119_8bbe52-dd{--kb-section-setting-offset:90px;}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15119_8bbe52-dd{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_8bbe52-dd{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_8bbe52-dd{text-align:left;}.kadence-column15119_8bbe52-dd{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15119_8bbe52-dd{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-column15119_8bbe52-dd{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15119_8bbe52-dd{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_8bbe52-dd{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_8bbe52-dd > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_8bbe52-dd 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-heading15119_cfa2f9-aa, .wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa[data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\"]{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-heading15119_cfa2f9-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa[data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\"] 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-heading15119_cfa2f9-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa[data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa, .wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa[data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa, .wp-block-kadence-advancedheading.kt-adv-heading15119_cfa2f9-aa[data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15119_cfa2f9-aa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_cfa2f9-aa\">Transformez l\u2019\u00e9pargne-retraite en avantage comp\u00e9titif<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be, .wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be[data-kb-block=\"kb-adv-heading15119_fa1587-be\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be[data-kb-block=\"kb-adv-heading15119_fa1587-be\"] 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-heading15119_fa1587-be img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be[data-kb-block=\"kb-adv-heading15119_fa1587-be\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be, .wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be[data-kb-block=\"kb-adv-heading15119_fa1587-be\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be, .wp-block-kadence-advancedheading.kt-adv-heading15119_fa1587-be[data-kb-block=\"kb-adv-heading15119_fa1587-be\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15119_fa1587-be wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_fa1587-be\">Chez TWINN, nous aidons les entreprises \u00e0 aligner leur <strong>REER<\/strong> avec leurs objectifs: attirer les talents, am\u00e9liorer la r\u00e9tention et ma\u00eetriser les co\u00fbts.<br>R\u00e9servez une consultation et optimisez votre strat\u00e9gie d\u2019\u00e9pargne.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_579d32-f6 > .kt-inside-inner-col{display:flex;}.kadence-column15119_579d32-f6 > .kt-inside-inner-col,.kadence-column15119_579d32-f6 > .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-column15119_579d32-f6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_579d32-f6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15119_579d32-f6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_579d32-f6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_579d32-f6{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15119_579d32-f6{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15119_579d32-f6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_579d32-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_579d32-f6\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64, .wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{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-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"] 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-heading15119_58952f-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64, .wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64, .wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15119_58952f-64[data-kb-block=\"kb-adv-heading15119_58952f-64\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15119_58952f-64 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15119_58952f-64\"><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-btns15119_a0f29d-c0{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15119_a0f29d-c0 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15119_a0f29d-c0 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15119_a0f29d-c0{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15119_a0f29d-c0{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15119_a0f29d-c0\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15119_12c298-06.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15119_12c298-06.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15119_12c298-06 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"how-group-rrsps-compare-to-other-savings-plans\">Comment un REER collectif se compare aux autres r\u00e9gimes d\u2019\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif offre une simplicit\u00e9 et une flexibilit\u00e9 que plusieurs options d\u2019\u00e9pargne en milieu de travail ne peuvent \u00e9galer. Toutefois, aucun r\u00e9gime n\u2019est universel. Comparer le REER collectif au <span style=\"text-decoration: underline;\">RPDB<\/span>, aux r\u00e9gimes de pension ou au REER individuel aide les employeurs \u00e0 choisir la bonne combinaison.<\/p>\n\n\n\n<figure style=\"padding-bottom:var(--wp--preset--spacing--40)\" class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Type de r\u00e9gime<\/th><th>Meilleur usage<\/th><th>Avantage principal<\/th><th>Limite cl\u00e9<\/th><\/tr><\/thead><tbody><tr><td><strong>REER collectif<\/strong><\/td><td>Favoriser une \u00e9pargne stable et flexible<\/td><td>Contribution partag\u00e9e employeur-employ\u00e9<\/td><td>La cotisation de l\u2019employeur ajoute un co\u00fbt<\/td><\/tr><tr><td><strong>RPDB (DPSP)<\/strong><\/td><td>R\u00e9compenser la loyaut\u00e9, lier performance et r\u00e9mun\u00e9ration<\/td><td>Cotisations employeur seulement, tr\u00e8s efficaces fiscalement<\/td><td>D\u00e9pend de la rentabilit\u00e9 de l\u2019entreprise<\/td><\/tr><tr><td><strong>R\u00e9gime de pension<\/strong><\/td><td>Fournir un revenu de retraite structur\u00e9 et garanti<\/td><td>Avantage pr\u00e9visible pour les employ\u00e9s<\/td><td>Complexe \u00e0 g\u00e9rer et co\u00fbteux<\/td><\/tr><tr><td><strong>REER individuel<\/strong><\/td><td>\u00c9pargne personnelle hors milieu de travail<\/td><td>Contr\u00f4le total<\/td><td>Aucun soutien ou cotisation de l\u2019employeur<\/td><\/tr><tr><td><strong>CELIAPP (FHSA)<\/strong><\/td><td>Aider \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/td><td>Croissance et retraits libres d\u2019imp\u00f4t<\/td><td>Usage limit\u00e9 \u00e0 l\u2019achat d\u2019une maison<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la pratique, plusieurs employeurs utilisent le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif comme base, puis ajoutent un RPDB pour le partage des profits ou un CELIAPP pour les objectifs personnels. R\u00e9sultat: une structure <span style=\"text-decoration: underline;\">d\u2019\u00e9pargne-retraite<\/span> <span style=\"text-decoration: underline;\">collective<\/span> moderne et \u00e9quilibr\u00e9e qui maintient tout le monde investi dans son avenir.<\/p>\n\n\n<style>.kb-image15119_588493-e4 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15119_588493-e4 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/diverse-smiling-businesswomen-shaking-hands-greeting-multiracial-group-meeting.webp\" alt=\"\" class=\"kb-img wp-image-15056\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/diverse-smiling-businesswomen-shaking-hands-greeting-multiracial-group-meeting.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/diverse-smiling-businesswomen-shaking-hands-greeting-multiracial-group-meeting-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/diverse-smiling-businesswomen-shaking-hands-greeting-multiracial-group-meeting-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"integrating-a-group-rrsp-into-your-benefits-plan\">Int\u00e9grer un REER collectif dans votre programme d\u2019avantages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ajouter un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite \u00e0 vos avantages n\u2019a rien de compliqu\u00e9. Avec la bonne configuration, il devient une composante fluide de la paie et un pilier visible de votre culture interne.<\/p>\n\n\n<style>.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_d84c64-bd > .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);}.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15119_d84c64-bd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15119_d84c64-bd > .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: 1024px){.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id15119_d84c64-bd > .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);}.kb-row-layout-id15119_d84c64-bd > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_d84c64-bd alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-two-grid kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column15119_12a50f-ca > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15119_12a50f-ca > .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-column15119_12a50f-ca > .kt-inside-inner-col,.kadence-column15119_12a50f-ca > .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-column15119_12a50f-ca > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_12a50f-ca > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_12a50f-ca > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_12a50f-ca > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_12a50f-ca{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_12a50f-ca > .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:center;}}@media all and (max-width: 767px){.kadence-column15119_12a50f-ca > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_12a50f-ca\"><div class=\"kt-inside-inner-col\">\n<h5 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)\"><strong>\u00c9tape 1 : Collaborer avec des fournisseurs de confiance<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_0296a5-88:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_0296a5-88 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-items15119_0296a5-88 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_0296a5-88 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_0296a5-88 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-items15119_0296a5-88 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_3fd4c9-9e .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-15119_3fd4c9-9e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Travaillez avec un conseiller et des assureurs reconnus. Ils vous aideront \u00e0:<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_6d61f0-14:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_6d61f0-14 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:0px;margin-left:0px;padding-top:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_6d61f0-14 ul.kt-svg-icon-list{grid-row-gap:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_6d61f0-14 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_6d61f0-14 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-items15119_6d61f0-14 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_55aa6b-04 .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-15119_55aa6b-04\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check 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=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comparez les mod\u00e8les d\u2019administration et les options d\u2019investissement<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_3ceb08-64 .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-15119_3ceb08-64\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check 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=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Aligner votre RPDB sur les exigences de l\u2019ARC<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_a8d5ef-c5 .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-15119_a8d5ef-c5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check 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=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Simplifier l\u2019int\u00e9gration \u00e0 la paie et la production de rapports<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_e66612-f9 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15119_e66612-f9 > .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-column15119_e66612-f9 > .kt-inside-inner-col,.kadence-column15119_e66612-f9 > .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-column15119_e66612-f9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_e66612-f9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_e66612-f9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_e66612-f9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_e66612-f9{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_e66612-f9 > .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:center;}}@media all and (max-width: 767px){.kadence-column15119_e66612-f9 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_e66612-f9\"><div class=\"kt-inside-inner-col\">\n<h5 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)\"><strong>\u00c9tape 2 : Concevoir le programme<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_b1273f-81:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_b1273f-81 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_b1273f-81 ul.kt-svg-icon-list{grid-row-gap:25px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_b1273f-81 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_b1273f-81 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15119_b1273f-81 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_a21e14-47 .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-15119_a21e14-47\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">D\u00e9cidez si vous offrez une cotisation de contrepartie, et \u00e0 quel niveau.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_cabcef-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-15119_cabcef-85\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Beaucoup d\u2019employeurs optent pour une structure progressive (ex.: 50 % des premiers 4 % du salaire) afin de stimuler la participation tout en contr\u00f4lant les co\u00fbts.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_bbc3ed-9e .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-15119_bbc3ed-9e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Assurez-vous que les r\u00e8gles de cotisation respectent les normes de l\u2019ARC et votre strat\u00e9gie de r\u00e9mun\u00e9ration.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_fe6235-f2 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15119_fe6235-f2 > .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-column15119_fe6235-f2 > .kt-inside-inner-col,.kadence-column15119_fe6235-f2 > .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-column15119_fe6235-f2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_fe6235-f2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_fe6235-f2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_fe6235-f2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_fe6235-f2{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_fe6235-f2 > .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:center;}}@media all and (max-width: 767px){.kadence-column15119_fe6235-f2 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_fe6235-f2\"><div class=\"kt-inside-inner-col\">\n<h5 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)\"><strong>\u00c9tape 3 : Communiquer et encourager la participation<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Utilisez l\u2019accueil des nouveaux employ\u00e9s, l\u2019intranet ou des s\u00e9ances d\u2019information pour expliquer:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_5758d3-e1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_5758d3-e1 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-xxs, 0.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_5758d3-e1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_5758d3-e1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_5758d3-e1 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-items15119_5758d3-e1 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_9ef7c4-59 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_9ef7c4-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comment fonctionne le REER collectif<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_86207b-ce .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-15119_86207b-ce\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comment chaque dollar \u00e9pargn\u00e9 aujourd\u2019hui cro\u00eet gr\u00e2ce \u00e0 la d\u00e9duction et \u00e0 l\u2019effet de capitalisation<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_5dac03-ce .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-15119_5dac03-ce\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Ajoutez des visuels ou une d\u00e9monstration rapide d\u2019un calculateur REER pour rendre le tout concret.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_2cae64-a5 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15119_2cae64-a5 > .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-column15119_2cae64-a5 > .kt-inside-inner-col,.kadence-column15119_2cae64-a5 > .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-column15119_2cae64-a5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_2cae64-a5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_2cae64-a5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_2cae64-a5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_2cae64-a5{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_2cae64-a5 > .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:center;}}@media all and (max-width: 767px){.kadence-column15119_2cae64-a5 > .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:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_2cae64-a5\"><div class=\"kt-inside-inner-col\">\n<h5 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-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--20)\"><strong>\u00c9tape 4 : Surveillez et ajustez<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s le lancement, analysez les taux de participation et recueillez les commentaires.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e24d92-aa:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e24d92-aa 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-items15119_e24d92-aa ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_e24d92-aa ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_e24d92-aa 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-items15119_e24d92-aa kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_d2cffa-8f .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-15119_d2cffa-8f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square 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\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Utilisez les donn\u00e9es pour affiner les calendriers de contributions ou les strat\u00e9gies de communication.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque les employ\u00e9s voient leurs \u00e9conomies cro\u00eetre d\u2019ann\u00e9e en ann\u00e9e, l\u2019engagement suit naturellement.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">Bien int\u00e9gr\u00e9, un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif renforce non seulement la pr\u00e9paration \u00e0 la retraite, mais aussi votre image d\u2019employeur. Il transforme l\u2019\u00e9pargne en initiative collective et en r\u00e9ussite partag\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"designing-your-group-rrsp-eligibility-match-formulas-and-employer-decisions\">Concevoir votre REER collectif: admissibilit\u00e9, formules de cotisation et d\u00e9cisions de l\u2019employeur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lors de la mise en place d\u2019un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif, l\u2019employeur doit d\u2019abord d\u00e9finir l\u2019admissibilit\u00e9: par exemple une p\u00e9riode d\u2019attente de 3 ou 6 mois, ou une restriction aux employ\u00e9s \u00e0 temps plein. L\u2019\u00e9tape suivante consiste \u00e0 choisir une formule de cotisation de contrepartie, qu\u2019il s\u2019agisse d\u2019un pourcentage fixe, d\u2019une structure progressive ou d\u2019un plafond annuel. Ces d\u00e9cisions influencent directement la pr\u00e9visibilit\u00e9 des co\u00fbts, l\u2019engagement des employ\u00e9s et l\u2019int\u00e9gration du r\u00e9gime dans la strat\u00e9gie globale de r\u00e9mun\u00e9ration.<\/p>\n\n\n<style>.kt-accordion-id15119_2367b3-e6 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id15119_2367b3-e6 .kt-accordion-panel-inner{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);}.kt-accordion-id15119_2367b3-e6 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 767px){.kt-accordion-id15119_2367b3-e6 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id15119_2367b3-e6 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id15119_2367b3-e6 kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane15119_be04bd-46\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Contrepartie \u00e0 pourcentage fixe<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">L\u2019employeur \u00e9galera un pourcentage fixe de la cotisation de l\u2019employ\u00e9. C\u2019est simple, pr\u00e9visible et facile \u00e0 comprendre pour tous.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Formule:<\/strong><br>Contribution de l\u2019employeur = Cotisation de l\u2019employ\u00e9 \u00d7 Taux de contrepartie<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cotisation de l\u2019employ\u00e9: 2 000 $<\/li>\n\n\n\n<li>Taux de contrepartie: 50 %<\/li>\n\n\n\n<li><strong>Contribution de l\u2019employeur \u2192 1 000 $<\/strong><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane15119_ca21c7-32\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>2. Pourcentage du salaire<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">L\u2019employeur verse un pourcentage du salaire annuel de l\u2019employ\u00e9, peu importe sa propre cotisation. Cela cr\u00e9e un co\u00fbt constant et per\u00e7u comme un avantage garanti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Formule:<\/strong><br>Contribution de l\u2019employeur = Salaire de l\u2019employ\u00e9 \u00d7 %<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salaire des employ\u00e9s : <strong>70 000 $<\/strong><\/li>\n\n\n\n<li>Contrepartie de l\u2019employeur : <strong>3% du salaire<\/strong><\/li>\n\n\n\n<li>L\u2019employeur contribue \u2192 <strong>2 100 $<\/strong><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane15119_f4254d-41\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>3. Structure progressive (tiered match)<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">L\u2019employeur peut adapter les niveaux de contrepartie selon le r\u00f4le, l\u2019anciennet\u00e9 ou la performance. Cela r\u00e9compense les talents cl\u00e9s tout en ma\u00eetrisant les co\u00fbts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple illustratif:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gestionnaires \u2192 5 % du salaire<\/li>\n\n\n\n<li>Temps plein \u2192 3 % du salaire<\/li>\n\n\n\n<li>Temps partiel \u2192 montant fixe de 400 $<br>(Un gestionnaire gagnant 90 000 $ recevrait <strong>4 500 $<\/strong>.)<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane15119_c2b3b4-0b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">4. <strong>Contrepartie plafonn\u00e9e<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Cette m\u00e9thode fixe un pourcentage de match tout en imposant un plafond annuel. L\u2019employeur garde un contr\u00f4le complet sur le co\u00fbt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Formule :<\/strong><br><code>Contribution de l\u2019employeur = Min(Cotisation employ\u00e9 \u00d7 %, Plafond annuel)<\/code><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taux: 100 %<\/li>\n\n\n\n<li>Plafond: 1 500 $<\/li>\n\n\n\n<li>Cotisation employ\u00e9: 2 000 $<\/li>\n\n\n\n<li><strong>Contribution de l\u2019employeur \u2192 1 500 $ (plafond atteint)<\/strong><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"governance-compliance-and-cra-rules-for-group-rrsps\">Gouvernance, conformit\u00e9 et r\u00e8gles de l\u2019ARC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les REER collectifs n\u2019exigent pas d\u2019enregistrement officiel aupr\u00e8s de l\u2019ARC, contrairement aux r\u00e9gimes de pension. Toutefois, l\u2019employeur doit respecter plusieurs exigences administratives:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenir des registres pr\u00e9cis des cotisations<\/li>\n\n\n\n<li>D\u00e9poser les retenues salariales dans les d\u00e9lais<\/li>\n\n\n\n<li>V\u00e9rifier la conformit\u00e9 aux r\u00e8gles internes et aux formules de match<\/li>\n\n\n\n<li>Int\u00e9grer correctement le r\u00e9gime au syst\u00e8me de paie, car les contributions patronales sont consid\u00e9r\u00e9es comme revenu imposable<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4t\u00e9 d\u00e9clarations fiscales:<br>\u2022 Les contributions de l\u2019employeur apparaissent sur le <strong>T4<\/strong> comme avantage imposable<br>\u2022 Les cotisations de l\u2019employ\u00e9 figurent comme <strong>d\u00e9duction REER<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019employeur doit aussi collaborer avec le fournisseur pour les relev\u00e9s annuels, documents d\u2019audit, et demandes des employ\u00e9s. Une bonne gouvernance limite les erreurs et renforce la confiance envers le r\u00e9gime.<\/p>\n\n\n<style>.kb-image15119_860658-26 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15119_860658-26 size-full\"><img decoding=\"async\" width=\"1000\" height=\"836\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/group-businesspeople-analyzing-different-type-graph-table-office.webp\" alt=\"\" class=\"kb-img wp-image-15076\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/group-businesspeople-analyzing-different-type-graph-table-office.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/group-businesspeople-analyzing-different-type-graph-table-office-300x251.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/group-businesspeople-analyzing-different-type-graph-table-office-768x642.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"maximizing-employee-participation\">Maximiser la participation des employ\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre en place un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif n\u2019est que la moiti\u00e9 du travail. L\u2019enjeu r\u00e9el est de s\u2019assurer que les employ\u00e9s y contribuent r\u00e9guli\u00e8rement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment les employeurs performants maintiennent des taux d\u2019adh\u00e9sion \u00e9lev\u00e9s:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_c11d84-a4:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_c11d84-a4 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:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_c11d84-a4 ul.kt-svg-icon-list{grid-row-gap:24px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_c11d84-a4 .kb-svg-icon-wrap{font-size:0px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_c11d84-a4 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_c11d84-a4 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-items15119_c11d84-a4 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_d474a6-ed .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_d474a6-ed\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"0.5\" 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\"><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\"><strong>1.<\/strong><\/mark> <strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Utiliser l\u2019adh\u00e9sion automatique<\/strong> :<\/mark><\/strong> L\u2019employ\u00e9 est inscrit par d\u00e9faut, avec possibilit\u00e9 de se retirer. Les taux de participation deviennent nettement plus \u00e9lev\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_dbe046-8a .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-15119_dbe046-8a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"0.5\" 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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>2. Structurer la contrepartie intelligemment<\/strong> :<\/mark><\/strong> M\u00eame une petite contribution de l\u2019employeur augmente fortement la valeur per\u00e7ue. Les formules progressives (ex: 50 % des premiers 4 % du salaire) \u00e9quilibrent co\u00fbts et motivation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_8906f3-33 .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-15119_8906f3-33\"><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=\"0.5\" 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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>3. Expliquer la valeur r\u00e9elle<\/strong> : <\/mark><\/strong>Les employ\u00e9s s\u2019engagent davantage lorsqu\u2019ils comprennent les avantages: d\u00e9duction fiscale imm\u00e9diate, croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t, transf\u00e9rabilit\u00e9.<br>Exemples concrets, calculateurs et projections rendent tout cela tangible.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_bef043-91 .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-15119_bef043-91\"><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=\"0.5\" 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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>4. Combiner avec d\u2019autres options<\/strong> :<\/mark><\/strong> Un REER collectif fonctionne encore mieux avec des r\u00e9gimes compl\u00e9mentaires: DPSP, FHSA, TFSA, etc.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_9500f6-e0 .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-15119_9500f6-e0\"><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=\"0.5\" 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><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>5. R\u00e9viser et ajuster r\u00e9guli\u00e8rement<\/strong> :<\/mark><\/strong> Analysez les taux de participation, ajustez les formules de match, et renouvelez vos communications. Les employ\u00e9s qui voient leur \u00e9pargne augmenter restent engag\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une approche ax\u00e9e sur l\u2019\u00e9ducation, l\u2019automatisation et la visibilit\u00e9, un REER collectif n\u2019est plus un simple avantage: c\u2019est un outil concret de fid\u00e9lisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pairing-a-group-rrsp-with-other-benefits\">Combiner un REER collectif avec d\u2019autres avantages<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> donne les meilleurs r\u00e9sultats lorsqu\u2019il fait partie d\u2019un \u00e9cosyst\u00e8me d\u2019avantages plus large. Combin\u00e9 au RPDB, au FHSA ou au CELI, il r\u00e9pond aux besoins imm\u00e9diats et \u00e0 long terme des employ\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques sc\u00e9narios efficaces:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_d35d5d-61:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_d35d5d-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;column-gap:63px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_d35d5d-61 ul.kt-svg-icon-list{grid-row-gap:30px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_d35d5d-61 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_d35d5d-61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_d35d5d-61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items15119_d35d5d-61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{line-height:30px;}.kt-svg-icon-list-items15119_d35d5d-61 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-items15119_d35d5d-61: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-items15119_d35d5d-61: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-items15119_d35d5d-61: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-items15119_d35d5d-61 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_1a02f4-70 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_1a02f4-70\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 1 :<\/mark><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"> <\/mark><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">Startup avec ressources limit\u00e9es<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + RPDB<br><em><strong>Pourquoi \u00e7a fonctionne :<\/strong> <\/em>Le REER collectif assure une \u00e9pargne stable et fiscalement avantageuse, tandis que le RPDB r\u00e9compense la performance lorsque les profits le permettent.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_e82988-7b .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-15119_e82988-7b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_e82988-7b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 2 : Petite entreprise qui veut b\u00e2tir la loyaut\u00e9<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + RPDB + CELI<br><strong><em>Pourquoi \u00e7a fonctionne :<\/em><\/strong> Le REER et le RPDB cr\u00e9ent une base solide (\u00e9pargne disciplin\u00e9e + contributions flexibles), et le <a href=\"https:\/\/www.canadalife.com\/fr\/placement-epargne\/epargne\/compte-epargne-libre-impot.html\" data-type=\"link\" data-id=\"https:\/\/www.canadalife.com\/fr\/placement-epargne\/epargne\/compte-epargne-libre-impot.html\" target=\"_blank\" rel=\"noopener\">CELI<\/a> r\u00e9pond aux besoins courts termes ou d\u2019urgence.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_d0b552-0f .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-15119_d0b552-0f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 3 : Main-d\u2019\u0153uvre jeune avec objectifs de vie<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + FHSA<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Le FHSA soutient l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sans imp\u00f4t, tandis que le REER collectif instaure une discipline d\u2019\u00e9pargne \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_f04aeb-09 .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-15119_f04aeb-09\"><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 : \u00c9quipe \u00e9tablie proche de la retraite<\/mark><\/strong><br><strong>Formule :<\/strong> REER collectif + r\u00e9gime de pension + CELI<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Le revenu de retraite est structur\u00e9 et pr\u00e9visible, renforc\u00e9 par la flexibilit\u00e9 du REER et l\u2019accessibilit\u00e9 du CELI.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque combinaison permet aux employeurs de cr\u00e9er une exp\u00e9rience d\u2019avantages qui demeure \u00e0 la fois pertinente et facile \u00e0 g\u00e9rer. L\u2019essentiel est d\u2019aligner le <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif sur les valeurs de l\u2019entreprise, la r\u00e9alit\u00e9 de la main-d\u2019\u0153uvre et les objectifs de croissance \u00e0 long terme.<\/p>\n\n\n<style>.kb-image15119_9ef2b5-66 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15119_9ef2b5-66 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/group-business-people-working-as-team-find-solution.webp\" alt=\"\" class=\"kb-img wp-image-15057\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/group-business-people-working-as-team-find-solution.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/group-business-people-working-as-team-find-solution-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/group-business-people-working-as-team-find-solution-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-implement-your-group-rrsp\">Collaborer avec des experts pour implanter votre REER collectif<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les plafonds de cotisation, l\u2019int\u00e9gration \u00e0 la paie et les exigences de conformit\u00e9, mettre en place un <strong>r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/strong> collectif peut sembler complexe. C\u2019est pr\u00e9cis\u00e9ment l\u00e0 que l\u2019accompagnement sp\u00e9cialis\u00e9 fait toute la diff\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chez TWINN, nous aidons les employeurs \u00e0 concevoir, implanter et g\u00e9rer des programmes d\u2019\u00e9pargne adapt\u00e9s \u00e0 leur budget et \u00e0 leur personnel. Que vous introduisiez un nouveau REER collectif ou que vous souhaitiez l\u2019int\u00e9grer \u00e0 un r\u00e9gime d\u2019avantages existant ou \u00e0 un r\u00e9gime de pension, nos sp\u00e9cialistes assurent une coordination fluide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment nous vous soutenons:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_8b5012-b0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_8b5012-b0 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-items15119_8b5012-b0 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_8b5012-b0 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15119_8b5012-b0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15119_8b5012-b0 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-items15119_8b5012-b0 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15119_da1000-a8 .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-15119_da1000-a8\"><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>Conception du r\u00e9gime:<\/strong> Cr\u00e9er un REER collectif align\u00e9 sur vos objectifs d\u2019affaires et les besoins de votre \u00e9quipe.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_112a7b-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-15119_112a7b-d4\"><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>Strat\u00e9gie de cotisation:<\/strong> Mettre en place des formules de contrepartie fixes ou progressives qui \u00e9quilibrent motivation et ma\u00eetrise des co\u00fbts.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_395e46-5a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15119_395e46-5a\"><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>Conformit\u00e9:<\/strong> Suivre les plafonds, les r\u00e8gles et les \u00e9ch\u00e9ances de l\u2019ARC, y compris la <strong>date limite de cotisation REER<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_e9f9cf-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-15119_e9f9cf-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>\u00c9ducation des employ\u00e9s:<\/strong> Expliquer les avantages fiscaux, les r\u00e8gles de retrait et les b\u00e9n\u00e9fices \u00e0 long terme d\u2019un r\u00e9er.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15119_56629e-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-15119_56629e-39\"><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>Optimisation continue:<\/strong> Suivre la participation et ajuster le r\u00e9gime \u00e0 mesure que votre entreprise \u00e9volue.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En savoir plus sur nos <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">services de consultation en r\u00e9gimes de retraite et d\u2019\u00e9pargne collectifs<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\">Vous avez des questions? Nous avons des 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-id15119_de45ed-61 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_de45ed-61 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_de45ed-61 > .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-id15119_de45ed-61 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15119_de45ed-61 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15119_de45ed-61 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_de45ed-61 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-column15119_e41c45-7a > .kt-inside-inner-col,.kadence-column15119_e41c45-7a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15119_e41c45-7a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_e41c45-7a > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_e41c45-7a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_e41c45-7a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_e41c45-7a{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_e41c45-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_e41c45-7a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_e41c45-7a inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-80120574 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\/regime-enregistre-d'epargne-retraite\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>Quelle est la diff\u00e9rence entre un REER collectif et un REER individuel?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le REER collectif est offert par l\u2019employeur, avec retenues salariales et parfois une contrepartie. Le REER individuel est enti\u00e8rement g\u00e9r\u00e9 et financ\u00e9 par l\u2019employ\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Que se passe-t-il avec le REER collectif lorsqu\u2019on quitte son emploi?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous gardez vos fonds. Ils peuvent \u00eatre transf\u00e9r\u00e9s sans imp\u00f4t vers un REER personnel ou un autre r\u00e9gime d\u2019employeur.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quels sont les inconv\u00e9nients d\u2019un REER collectif?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La cotisation de l\u2019employeur est imposable pour l\u2019employ\u00e9 l\u2019ann\u00e9e m\u00eame, contrairement au RPDB. Mais la d\u00e9duction imm\u00e9diate et la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t compensent largement.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quelle est la date limite de cotisation REER?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Habituellement 60 jours apr\u00e8s la fin de l\u2019ann\u00e9e d\u2019imposition. Pour contribuer \u00e0 l\u2019ann\u00e9e 2025, la date limite est le &lt;strong>2 mars 2026&lt;\/strong>.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>&lt;strong>Que signifie \u201cplafond de d\u00e9duction REER\u201d?&lt;\/strong>&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C\u2019est le maximum qu\u2019une personne peut cotiser: 18 % du revenu gagn\u00e9, jusqu\u2019\u00e0 &lt;strong>32 490 $ en 2025&lt;\/strong>, ajust\u00e9 selon les facteurs d\u2019\u00e9quivalence.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Les employ\u00e9s peuvent-ils retirer de leur REER collectif?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais les retraits sont imposables. La plupart pr\u00e9f\u00e8rent transf\u00e9rer vers un REER personnel pour maintenir la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Que se passe-t-il si une personne d\u00e9passe sa cotisation maximale REER?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\u2019exc\u00e9dent est p\u00e9nalis\u00e9 \u00e0 1 % par mois. Les employeurs et les fournisseurs aident g\u00e9n\u00e9ralement \u00e0 \u00e9viter ce type de d\u00e9passement.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quel est le meilleur choix: RPDB ou REER collectif?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ils servent des objectifs diff\u00e9rents. Le RPDB renforce la performance et la fid\u00e9lit\u00e9; le REER collectif b\u00e2tit une \u00e9pargne r\u00e9guli\u00e8re. Ensemble, ils offrent un \u00e9quilibre puissant.\"}},{\"@type\":\"Question\",\"name\":\"Comment retirer reer sans payer d'imp\u00f4t ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En r\u00e8gle g\u00e9n\u00e9rale, les retraits d\u2019un r\u00e9er sont imposables. Les seules exceptions sont les programmes officiels comme le &lt;strong>RAP (R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9)&lt;\/strong> et le &lt;strong>REEP (R\u00e9gime d\u2019encouragement \u00e0 l\u2019\u00e9ducation permanente)&lt;\/strong>, qui permettent de retirer temporairement des fonds sans imp\u00f4t, \u00e0 condition de les &lt;strong>rembourser selon les r\u00e8gles de l\u2019ARC&lt;\/strong>. En dehors de ces programmes, il n\u2019existe pas de moyen de retirer un REER sans payer d\u2019imp\u00f4t.\"}}]}<\/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-2148af67\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Quelle est la diff\u00e9rence entre un REER collectif et un REER individuel?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le REER collectif est offert par l\u2019employeur, avec retenues salariales et parfois une contrepartie. Le REER individuel est enti\u00e8rement g\u00e9r\u00e9 et financ\u00e9 par l\u2019employ\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-2851854d\"><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><strong>Que se passe-t-il avec le REER collectif lorsqu\u2019on quitte son emploi?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Vous gardez vos fonds. Ils peuvent \u00eatre transf\u00e9r\u00e9s sans imp\u00f4t vers un REER personnel ou un autre r\u00e9gime d\u2019employeur.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-710dbe18\"><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><strong>Quels sont les inconv\u00e9nients d\u2019un REER collectif?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La cotisation de l\u2019employeur est imposable pour l\u2019employ\u00e9 l\u2019ann\u00e9e m\u00eame, contrairement au RPDB. Mais la d\u00e9duction imm\u00e9diate et la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t compensent largement.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-73e8dff3\"><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><strong>Quelle est la date limite de cotisation REER?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Habituellement 60 jours apr\u00e8s la fin de l\u2019ann\u00e9e d\u2019imposition. Pour contribuer \u00e0 l\u2019ann\u00e9e 2025, la date limite est le <strong>2 mars 2026<\/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-0d04f73b\"><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><strong><strong>Que signifie \u201cplafond de d\u00e9duction REER\u201d?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>C\u2019est le maximum qu\u2019une personne peut cotiser: 18 % du revenu gagn\u00e9, jusqu\u2019\u00e0 <strong>32 490 $ en 2025<\/strong>, ajust\u00e9 selon les facteurs d\u2019\u00e9quivalence.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-3c9895a1\"><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>Les employ\u00e9s peuvent-ils retirer de leur REER collectif?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, mais les retraits sont imposables. La plupart pr\u00e9f\u00e8rent transf\u00e9rer vers un REER personnel pour maintenir la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-432664ea\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Que se passe-t-il si une personne d\u00e9passe sa cotisation maximale REER?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>L\u2019exc\u00e9dent est p\u00e9nalis\u00e9 \u00e0 1 % par mois. Les employeurs et les fournisseurs aident g\u00e9n\u00e9ralement \u00e0 \u00e9viter ce type de d\u00e9passement.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-a0fa644d\"><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 meilleur choix: RPDB ou REER collectif?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Ils servent des objectifs diff\u00e9rents. Le RPDB renforce la performance et la fid\u00e9lit\u00e9; le REER collectif b\u00e2tit une \u00e9pargne r\u00e9guli\u00e8re. Ensemble, ils offrent un \u00e9quilibre puissant.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-e77cbb42\"><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 0 448 512\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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\">Comment retirer reer sans payer d&rsquo;imp\u00f4t ?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En r\u00e8gle g\u00e9n\u00e9rale, les retraits d\u2019un r\u00e9er sont imposables. Les seules exceptions sont les programmes officiels comme le <strong>RAP (R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9)<\/strong> et le <strong>REEP (R\u00e9gime d\u2019encouragement \u00e0 l\u2019\u00e9ducation permanente)<\/strong>, qui permettent de retirer temporairement des fonds sans imp\u00f4t, \u00e0 condition de les <strong>rembourser selon les r\u00e8gles de l\u2019ARC<\/strong>. En dehors de ces programmes, il n\u2019existe pas de moyen de retirer un REER sans payer d\u2019imp\u00f4t.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15119_03da7b-cd{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15119_03da7b-cd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15119_03da7b-cd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15119_03da7b-cd > .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-id15119_03da7b-cd{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-id15119_03da7b-cd > .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-id15119_03da7b-cd > .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-id15119_03da7b-cd > .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-id15119_03da7b-cd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15119_03da7b-cd 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-column15119_9805f9-fd > .kt-inside-inner-col,.kadence-column15119_9805f9-fd > .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-column15119_9805f9-fd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_9805f9-fd > .kt-inside-inner-col{flex-direction:column;}.kadence-column15119_9805f9-fd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15119_9805f9-fd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_9805f9-fd{position:relative;}@media all and (max-width: 1024px){.kadence-column15119_9805f9-fd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15119_9805f9-fd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_9805f9-fd\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15119_d2940b-30 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15119_d2940b-30{--kb-section-setting-offset:90px;}.kadence-column15119_d2940b-30 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15119_d2940b-30 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_d2940b-30 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15119_d2940b-30{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_d2940b-30{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_d2940b-30 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_d2940b-30{text-align:left;}.kadence-column15119_d2940b-30{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15119_d2940b-30{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-column15119_d2940b-30{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15119_d2940b-30{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_d2940b-30{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15119_d2940b-30 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_d2940b-30 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-heading15119_ba88e2-71, .wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71[data-kb-block=\"kb-adv-heading15119_ba88e2-71\"]{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-heading15119_ba88e2-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71[data-kb-block=\"kb-adv-heading15119_ba88e2-71\"] 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-heading15119_ba88e2-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71[data-kb-block=\"kb-adv-heading15119_ba88e2-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71, .wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71[data-kb-block=\"kb-adv-heading15119_ba88e2-71\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71, .wp-block-kadence-advancedheading.kt-adv-heading15119_ba88e2-71[data-kb-block=\"kb-adv-heading15119_ba88e2-71\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15119_ba88e2-71 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_ba88e2-71\">Transformez l\u2019\u00e9pargne-retraite en avantage comp\u00e9titif<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98, .wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98[data-kb-block=\"kb-adv-heading15119_6e8302-98\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98[data-kb-block=\"kb-adv-heading15119_6e8302-98\"] 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-heading15119_6e8302-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98[data-kb-block=\"kb-adv-heading15119_6e8302-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98, .wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98[data-kb-block=\"kb-adv-heading15119_6e8302-98\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98, .wp-block-kadence-advancedheading.kt-adv-heading15119_6e8302-98[data-kb-block=\"kb-adv-heading15119_6e8302-98\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15119_6e8302-98 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15119_6e8302-98\">Chez TWINN, nous aidons les entreprises \u00e0 aligner leur REER collectif sur leurs objectifs: attirer les talents, renforcer la r\u00e9tention et optimiser les co\u00fbts.<br>R\u00e9servez une consultation et am\u00e9liorez votre strat\u00e9gie d\u2019\u00e9pargne.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15119_0251ae-da > .kt-inside-inner-col{display:flex;}.kadence-column15119_0251ae-da > .kt-inside-inner-col,.kadence-column15119_0251ae-da > .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-column15119_0251ae-da > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_0251ae-da > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15119_0251ae-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_0251ae-da > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15119_0251ae-da{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15119_0251ae-da{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15119_0251ae-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15119_0251ae-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15119_0251ae-da\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55, .wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{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-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"] 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-heading15119_57f1f3-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55, .wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55, .wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15119_57f1f3-55[data-kb-block=\"kb-adv-heading15119_57f1f3-55\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15119_57f1f3-55 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15119_57f1f3-55\"><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-btns15119_cdf25d-e0{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15119_cdf25d-e0 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15119_cdf25d-e0 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15119_cdf25d-e0{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15119_cdf25d-e0{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15119_cdf25d-e0\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15119_a30d62-77.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15119_a30d62-77.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15119_a30d62-77 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=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif est un investissement strat\u00e9gique pour b\u00e2tir la confiance, la motivation et la stabilit\u00e9 \u00e0 long terme. Il aide les employ\u00e9s \u00e0 \u00e9pargner de fa\u00e7on disciplin\u00e9e, permet aux employeurs de se d\u00e9marquer dans un march\u00e9 comp\u00e9titif, et s\u2019int\u00e8gre naturellement avec d\u2019autres programmes comme le RPDB et le FHSA pour un impact maximal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien con\u00e7u, il devient plus qu\u2019un avantage: c\u2019est un engagement partag\u00e9 envers l\u2019avenir de l\u2019entreprise et le bien-\u00eatre financier du personnel.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Offrir un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite est l\u2019une des fa\u00e7ons les plus simples et efficaces d\u2019aider les employ\u00e9s \u00e0 b\u00e2tir une&#8230;<\/p>\n","protected":false},"author":15,"featured_media":15118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[114],"tags":[],"post_folder":[],"class_list":["post-15119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regimes-collectifs-depargne-retraite"],"acf":[],"taxonomy_info":{"category":[{"value":114,"label":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/concept-with-saving-money-businessman-hoding-piggy-bank-group-rrsp-1024x682.webp",1024,682,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":114,"name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","slug":"regimes-collectifs-depargne-retraite","term_group":0,"term_taxonomy_id":114,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":114,"category_count":4,"category_description":"","cat_name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","category_nicename":"regimes-collectifs-depargne-retraite","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15119","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=15119"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15119\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/15118"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=15119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=15119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=15119"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=15119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}