{"id":5803,"date":"2026-02-11T08:03:58","date_gmt":"2026-02-11T08:03:58","guid":{"rendered":"https:\/\/oberoi.ba-staging.com\/2026\/02\/11\/rrsp-tfsa-or-fhsa-how-to-use-each-account-wisely\/"},"modified":"2026-02-11T09:40:44","modified_gmt":"2026-02-11T09:40:44","slug":"rrsp-tfsa-or-fhsa-how-to-use-each-account-wisely","status":"publish","type":"post","link":"https:\/\/oberoi.ba-staging.com\/fr\/2026\/02\/11\/rrsp-tfsa-or-fhsa-how-to-use-each-account-wisely\/","title":{"rendered":"REER, CELI ou CELIAPP? Comment utiliser chaque compte judicieusement"},"content":{"rendered":"<p>Janvier marque un nouveau d\u00e9part, mais aussi d\u2019importantes \u00e9ch\u00e9ances financi\u00e8res. C\u2019est la saison des REER, une nouvelle limite de cotisation au CELI a \u00e9t\u00e9 annonc\u00e9e et, pour les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) continue de soutenir l\u2019\u00e9pargne en vue d\u2019une mise de fonds.<\/p>\n<p>Avec autant de comptes enregistr\u00e9s disponibles, il est facile de se demander o\u00f9 devrait aller votre argent. La r\u00e9alit\u00e9 est que chaque compte joue un r\u00f4le diff\u00e9rent. Lorsqu\u2019on comprend leur fonctionnement et la meilleure fa\u00e7on de les utiliser, ils deviennent des outils puissants pour atteindre des objectifs \u00e0 court terme et b\u00e2tir une richesse \u00e0 long terme.<\/p>\n<h3><strong>Vue d\u2019ensemble : pourquoi les comptes enregistr\u00e9s sont importants<\/strong><\/h3>\n<p>En tant que jeune professionnel, votre revenu est probablement en croissance. C\u2019est une excellente nouvelle, mais cela signifie aussi que la planification fiscale devient un \u00e9l\u00e9ment de plus en plus important de votre strat\u00e9gie financi\u00e8re.<\/p>\n<p>Les comptes enregistr\u00e9s sont con\u00e7us pour vous aider \u00e0 g\u00e9rer votre charge fiscale croissante. Certains r\u00e9duisent le revenu sur lequel vous \u00eates impos\u00e9 aujourd\u2019hui, tandis que d\u2019autres permettent \u00e0 votre argent de cro\u00eetre et d\u2019\u00eatre utilis\u00e9 plus tard sans imp\u00f4t. Bien utilis\u00e9s, ils vous aident \u00e0 :<\/p>\n<ul>\n<li>Conserver une plus grande partie de ce que vous gagnez<\/li>\n<li>Faire cro\u00eetre votre argent avec moins d\u2019obstacles fiscaux<\/li>\n<li>\u00c9pargner avec des objectifs clairs : retraite, achat d\u2019une propri\u00e9t\u00e9 ou projets futurs<\/li>\n<\/ul>\n<p>L\u2019essentiel est de comprendre quel compte est le plus avantageux selon votre situation financi\u00e8re actuelle et votre stade de vie.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5771\" src=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/c9e6be0e-265d-486b-b6fd-c42a30ffbf95.png\" alt=\"oberoi financial post\" width=\"996\" height=\"661\" srcset=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/c9e6be0e-265d-486b-b6fd-c42a30ffbf95.png 996w, https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/c9e6be0e-265d-486b-b6fd-c42a30ffbf95-980x650.png 980w, https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/c9e6be0e-265d-486b-b6fd-c42a30ffbf95-480x319.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 996px, 100vw\" \/><\/p>\n<p><strong>REER : un outil pour les revenus plus \u00e9lev\u00e9s et la planification \u00e0 long terme<\/strong><\/p>\n<p><strong>Qu\u2019est-ce que c\u2019est?<\/strong><\/p>\n<p>Le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER) est con\u00e7u pour la retraite, mais son principal avantage se manifeste souvent bien avant \u2014 au moment de produire votre d\u00e9claration de revenus.<\/p>\n<p><strong>Comment \u00e7a fonctionne<\/strong><\/p>\n<p>Les cotisations au REER r\u00e9duisent votre revenu imposable pour l\u2019ann\u00e9e. Pour les professionnels dont le revenu augmente, cela peut repr\u00e9senter une \u00e9conomie d\u2019imp\u00f4t importante. Les placements croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t dans le compte, mais ils ne sont pas enti\u00e8rement exon\u00e9r\u00e9s. L\u2019imp\u00f4t sera pay\u00e9 lors des retraits, g\u00e9n\u00e9ralement \u00e0 la retraite, lorsque votre taux d\u2019imposition est souvent plus bas.<\/p>\n<p><strong>Plafond de cotisation<\/strong><\/p>\n<ul>\n<li>Ann\u00e9e d\u2019imposition 2025 : jusqu\u2019\u00e0 18 % du revenu gagn\u00e9, jusqu\u2019\u00e0 un maximum de <strong>32 490 $<\/strong>, bas\u00e9 sur le revenu de l\u2019ann\u00e9e pr\u00e9c\u00e9dente<\/li>\n<li>Ann\u00e9e d\u2019imposition 2026 : jusqu\u2019\u00e0 18 % du revenu gagn\u00e9, jusqu\u2019\u00e0 un maximum de <strong>33 810 $<\/strong>, bas\u00e9 sur le revenu de l\u2019ann\u00e9e pr\u00e9c\u00e9dente<\/li>\n<\/ul>\n<p><strong>Les droits de cotisation sont-ils reportables?<\/strong><\/p>\n<p>Oui. Les droits inutilis\u00e9s au REER se reportent ind\u00e9finiment.<\/p>\n<p><strong>Date limite importante<\/strong><\/p>\n<p>Pour \u00eatre d\u00e9ductibles dans votre d\u00e9claration de revenus de 2025, les cotisations REER doivent \u00eatre effectu\u00e9es <strong>au plus tard le 2 mars 2026<\/strong>.<\/p>\n<p><strong>Quand le REER est particuli\u00e8rement avantageux<\/strong><\/p>\n<ul>\n<li>Votre revenu se situe dans une tranche d\u2019imposition plus \u00e9lev\u00e9e<\/li>\n<li>Vous souhaitez r\u00e9duire votre facture fiscale actuelle tout en planifiant l\u2019avenir<\/li>\n<li>Vous \u00eates \u00e0 l\u2019aise de mettre de l\u2019argent de c\u00f4t\u00e9 \u00e0 long terme<\/li>\n<li>Vous \u00e9pargnez pour la mise de fonds de votre premi\u00e8re propri\u00e9t\u00e9 tout en profitant d\u2019une d\u00e9duction fiscale (jusqu\u2019\u00e0 60 000 $)<\/li>\n<\/ul>\n<p><strong>CELI : croissance flexible et libre d\u2019imp\u00f4t<\/strong><\/p>\n<p><strong>Qu\u2019est-ce que c\u2019est?<\/strong><\/p>\n<p>Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) est l\u2019un des outils les plus polyvalents d\u2019un plan financier. Il peut servir \u00e0 des objectifs \u00e0 court terme, comme une mise de fonds ou un voyage, ou \u00e0 des objectifs \u00e0 long terme, comme la retraite.<\/p>\n<p><strong>Comment \u00e7a fonctionne<\/strong><\/p>\n<p>Les cotisations ne sont pas d\u00e9ductibles d\u2019imp\u00f4t, mais une fois l\u2019argent dans le compte, il cro\u00eet \u00e0 l\u2019abri de l\u2019imp\u00f4t. Les retraits sont enti\u00e8rement libres d\u2019imp\u00f4t et n\u2019ont aucun impact sur votre revenu imposable.<\/p>\n<p><strong>Plafond de cotisation 2026<\/strong><\/p>\n<p><strong>7 000 $<\/strong> pour l\u2019ann\u00e9e.<\/p>\n<p><strong>Les droits de cotisation sont-ils reportables?<\/strong><\/p>\n<p>Oui. Les droits inutilis\u00e9s au CELI se reportent \u00e0 vie. Si vous aviez 18 ans et \u00e9tiez admissible en 2009, mais que vous n\u2019avez jamais cotis\u00e9, votre plafond total serait de <strong>109 000 $<\/strong>.<\/p>\n<p><strong>Que se passe-t-il lors d\u2019un retrait?<\/strong><\/p>\n<p>Tout montant retir\u00e9 est ajout\u00e9 de nouveau \u00e0 vos droits de cotisation l\u2019ann\u00e9e civile suivante.<\/p>\n<p><strong>Pourquoi le CELI est id\u00e9al pour les jeunes professionnels<\/strong><\/p>\n<ul>\n<li>Parfait pour les objectifs \u00e0 court et moyen terme<\/li>\n<li>Aucun impact fiscal lorsque vous avez besoin d\u2019acc\u00e9der \u00e0 vos fonds<\/li>\n<li>Excellent pour les primes, les revenus d\u2019appoint ou pour conserver de la flexibilit\u00e9<\/li>\n<\/ul>\n<p>Un CELI n\u2019est pas qu\u2019un simple compte d\u2019\u00e9pargne. Bien investi, il peut jouer un r\u00f4le cl\u00e9 dans la croissance \u00e0 long terme et les occasions \u00e0 court terme.<\/p>\n<p><strong>CELIAPP : con\u00e7u sp\u00e9cialement pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/strong><\/p>\n<p><strong>Qu\u2019est-ce que c\u2019est?<\/strong><\/p>\n<p>Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) a \u00e9t\u00e9 introduit en avril 2023 afin de faciliter l\u2019\u00e9pargne pour une premi\u00e8re maison de fa\u00e7on fiscalement avantageuse. Il s\u2019agit d\u2019un hybride entre le REER et le CELI.<\/p>\n<p><strong>Comment \u00e7a fonctionne<\/strong><\/p>\n<p>Comme le REER, les cotisations au CELIAPP sont d\u00e9ductibles du revenu imposable. Si l\u2019argent est utilis\u00e9 pour l\u2019achat admissible d\u2019une premi\u00e8re propri\u00e9t\u00e9, la croissance et les retraits sont enti\u00e8rement libres d\u2019imp\u00f4t.<\/p>\n<p><strong>Plafonds de cotisation<\/strong><\/p>\n<ul>\n<li><strong>8 000 $ par ann\u00e9e<\/strong><\/li>\n<li><strong>40 000 $ \u00e0 vie<\/strong><\/li>\n<\/ul>\n<p><strong>Les droits de cotisation sont-ils reportables?<\/strong><\/p>\n<p>Oui, mais seulement apr\u00e8s l\u2019ouverture du compte (m\u00eame sans cotisation). Si le CELIAPP n\u2019est pas ouvert, aucun droit ne s\u2019accumule.<\/p>\n<p><strong>Et si vous n\u2019achetez pas de propri\u00e9t\u00e9?<\/strong><\/p>\n<p>Le solde peut \u00eatre transf\u00e9r\u00e9 dans votre REER, sans donner droit \u00e0 une nouvelle d\u00e9duction et sans utiliser vos droits de cotisation REER.<\/p>\n<p>Pour les professionnels qui planifient l\u2019achat de leur premi\u00e8re propri\u00e9t\u00e9, le CELIAPP est l\u2019un des outils d\u2019\u00e9pargne les plus efficaces.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5778\" src=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/d55b3e8a-5374-425e-901b-d9d5fabed11b.png\" alt=\"oberoi financial post 2\" width=\"1123\" height=\"748\" srcset=\"https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/d55b3e8a-5374-425e-901b-d9d5fabed11b.png 1123w, https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/d55b3e8a-5374-425e-901b-d9d5fabed11b-980x653.png 980w, https:\/\/oberoi.ba-staging.com\/wp-content\/uploads\/2026\/02\/d55b3e8a-5374-425e-901b-d9d5fabed11b-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1123px, 100vw\" \/><\/p>\n<p><strong>Sur quel compte devriez-vous vous concentrer?<\/strong><\/p>\n<p>Voici une fa\u00e7on simple d\u2019y r\u00e9fl\u00e9chir :<\/p>\n<ul>\n<li>D\u00e9but de carri\u00e8re, revenu plus faible : le <strong>CELI<\/strong> est souvent prioritaire<\/li>\n<li>Revenu en hausse, tranche d\u2019imposition plus \u00e9lev\u00e9e : le <strong>REER<\/strong> devient plus avantageux<\/li>\n<li>Projet d\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 : le <strong>CELIAPP<\/strong> m\u00e9rite une priorit\u00e9, tout en combinant parfois le REER<\/li>\n<\/ul>\n<p>Dans les faits, la majorit\u00e9 des professionnels n\u2019en choisissent pas qu\u2019un seul. La combinaison id\u00e9ale \u00e9volue avec votre revenu, vos objectifs et les diff\u00e9rentes \u00e9tapes de la vie.<\/p>\n<p><strong>Pourquoi la strat\u00e9gie compte plus que les plafonds<\/strong><\/p>\n<p>Conna\u00eetre les plafonds est important, mais la fa\u00e7on dont ces comptes sont utilis\u00e9s ensemble l\u2019est encore plus. \u00c9pargner dans le mauvais compte au mauvais moment peut r\u00e9duire votre flexibilit\u00e9 ou vos \u00e9conomies d\u2019imp\u00f4t futures. Une approche r\u00e9fl\u00e9chie permet \u00e0 chaque dollar de travailler le plus efficacement possible.<\/p>\n<p><strong>En r\u00e9sum\u00e9<\/strong><\/p>\n<p>Les REER, CELI et CELIAPP ne sont pas des options concurrentes. Ils sont con\u00e7us pour \u00eatre utilis\u00e9s ensemble \u2014 ou s\u00e9par\u00e9ment \u2014 selon les diff\u00e9rentes \u00e9tapes de la vie.<\/p>\n<p>Utilis\u00e9s de mani\u00e8re intentionnelle, ils vous aident \u00e0 conserver une plus grande part de ce que vous gagnez, \u00e0 faire cro\u00eetre votre patrimoine plus efficacement et \u00e0 prendre des d\u00e9cisions financi\u00e8res avec confiance, m\u00eame lorsque la vie \u00e9volue.<\/p>\n<p>Chez <strong>Oberoi Financial Group<\/strong>, nous aidons les professionnels \u00e0 b\u00e2tir des strat\u00e9gies financi\u00e8res qui \u00e9voluent avec leur carri\u00e8re et leurs objectifs.<\/p>\n<p>Si vous h\u00e9sitez sur le compte \u00e0 prioriser cette ann\u00e9e ou sur la meilleure fa\u00e7on de les \u00e9quilibrer, nous sommes l\u00e0 pour vous aider \u00e0 cr\u00e9er un plan clair et adapt\u00e9 \u00e0 votre situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Janvier marque un nouveau d\u00e9part, mais aussi d\u2019importantes \u00e9ch\u00e9ances financi\u00e8res. C\u2019est la saison des REER, une nouvelle limite de cotisation au CELI a \u00e9t\u00e9 annonc\u00e9e et, pour les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) continue de soutenir l\u2019\u00e9pargne en vue d\u2019une mise de fonds. Avec autant [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-5803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>REER, CELI ou CELIAPP? 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C\u2019est la saison des REER, une nouvelle limite de cotisation au CELI a \u00e9t\u00e9 annonc\u00e9e et, pour les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) continue de soutenir l\u2019\u00e9pargne en vue d\u2019une mise de fonds. 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