{"id":22588,"date":"2023-08-02T00:00:00","date_gmt":"2023-08-02T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/"},"modified":"2024-03-26T14:04:28","modified_gmt":"2024-03-26T14:04:28","slug":"placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissement\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/","title":{"rendered":"Placement 101 pour \u00e9tudiants \u2013 4 choses \u00e0 savoir sur les CELI et les REER"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/celi\/\">\n\t\t\t\t\t\t\t<span>CELI<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Placement 101 pour \u00e9tudiants \u2013 4 choses \u00e0 savoir sur les CELI et les REER<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T154732.363.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une femme assise sur un canap\u00e9 regarde son ordinateur portable.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T154732.363.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T154732.363.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-02T154732.363.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Placement 101 pour \u00e9tudiants \u2013 4 choses \u00e0 savoir sur les CELI et les REER &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissement\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissement\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 2 ao\u00fbt 2023 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Les placements peuvent \u00eatre simples et vous n&rsquo;avez pas besoin de beaucoup d&rsquo;argent au d\u00e9part. Plus vous commencez \u00e0 investir t\u00f4t, plus vous laissez de temps \u00e0 votre argent pour fructifier \u00e0 votre avantage.<\/p>\n\n\n\n<p>Vous avez peut-\u00eatre d\u00e9j\u00e0 entendu des termes comme CELI ou REER. Ces acronymes ne font que d\u00e9signer diff\u00e9rents types de comptes de placement que vous pouvez ouvrir. Le moment est peut-\u00eatre venu d&rsquo;apprendre \u00e0 conna\u00eetre leur signification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t (CELI)<\/h2>\n\n\n\n<p>Il s&rsquo;agit d&rsquo;un compte de placement enregistr\u00e9 que vous pouvez utiliser pour \u00e9pargner, y compris en vue d&rsquo;un achat ou d&rsquo;un objectif important \u2013 comme une voiture, une ann\u00e9e sabbatique ou une mise de fonds pour une maison.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut ouvrir un CELI ?<\/h3>\n\n\n\n<p>Les r\u00e9sidents canadiens qui ont un num\u00e9ro d&rsquo;assurance sociale (NAS) valide et qui ont atteint l&rsquo;\u00e2ge de la majorit\u00e9 dans leur province ou leur territoire de r\u00e9sidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Avantages du CELI<\/h3>\n\n\n\n<p>Ce compte vous offre l&rsquo;avantage suivant : vos gains ne sont pas impos\u00e9s \u2013 vous n&rsquo;aurez pas \u00e0 payer d&rsquo;imp\u00f4t sur le revenu de placement de votre CELI, que celui-ci provienne des dividendes, de l&rsquo;int\u00e9r\u00eat ou des gains en capital1. De plus, avec un CELI, vous pouvez retirer l&rsquo;argent n&rsquo;importe quand sans p\u00e9nalit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Choix de placements du CELI<\/h3>\n\n\n\n<p>Les CELI ne sont pas de simples comptes d&rsquo;\u00e9pargne. Dans votre CELI, vous pouvez d\u00e9tenir diff\u00e9rents placements, notamment des actions, des fonds n\u00e9goci\u00e9s en bourse (FNB), des fonds communs de placement, des obligations et des certificats de placement garanti (CPG) \u2013 assurez-vous simplement qu&rsquo;il s&rsquo;agit de <a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/investing-academy\/article\/owning-a-non-qualified-investment-can-be-costly\/k8kupbpp?promo_name=ENT_RBC_DNL&amp;promo_id=277895&amp;promo_position=body1&amp;promo_creative=Investing%20101%20for%20Students%20%E2%80%93%204%20Things%20to%20know%20about%20TFSAs%20&amp;%20RRSPs\">placements admissibles<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plafonds de cotisation<\/h3>\n\n\n\n<p>Vous pouvez commencer par n&rsquo;importe quel montant, il est important de se rappeler que tout montant est un bon montant parce que plus vous commencez \u00e0 investir t\u00f4t, plus vous laissez de temps \u00e0 votre argent pour fructifier.<\/p>\n\n\n\n<p>Le CELI est soumis \u00e0 des plafonds de cotisation. Cela signifie qu&rsquo;il y a une limite au montant que vous pouvez transf\u00e9rer dans vos comptes CELI chaque ann\u00e9e ; si vous transf\u00e9rez trop d&rsquo;argent dans votre CELI, vous pourriez avoir \u00e0 payer une p\u00e9nalit\u00e9.<\/p>\n\n\n\n<p>\u00c7a semble peut-\u00eatre compliqu\u00e9 ou angoissant, mais \u00e7a n&rsquo;a pas \u00e0 l&rsquo;\u00eatre. Il existe de nombreux moyens et outils pour vous aider \u00e0 rester sur la bonne voie afin de maximiser les avantages d&rsquo;un CELI.<\/p>\n\n\n\n<p>Estimation officielle : <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/e-services\/e-services-individuals\/account-individuals.html\">Visitez le site Web de l&rsquo;Agence du revenu du Canada en cliquant ici<\/a>. Ouvrez une session, puis faites d\u00e9filer la page jusqu&rsquo;\u00e0 la section \u00ab Votre plafond de cotisation CELI \u00bb. Le montant indiqu\u00e9 est le montant que vous pouvez cotiser en date du 1er janvier. Vous devez donc y soustraire toutes les cotisations que vous avez d\u00e9j\u00e0 vers\u00e9es cette ann\u00e9e.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite (REER)<\/h4>\n\n\n\n<p>Ce compte d&rsquo;\u00e9pargne enregistr\u00e9 sert habituellement \u00e0 investir en vue de la retraite, ou il peut \u00eatre utilis\u00e9 plus t\u00f4t afin d&rsquo;\u00e9conomiser pour faire une mise de fonds en tant qu&rsquo;acheteur d&rsquo;une premi\u00e8re maison, jusqu&rsquo;\u00e0 concurrence du plafond permis et sous r\u00e9serve de certaines conditions.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Qui peut \u00e9tablir un REER ?<\/h5>\n\n\n\n<p>Les citoyens canadiens qui ont un revenu d&#8217;emploi, produisent des d\u00e9clarations de revenus et poss\u00e8dent un num\u00e9ro d&rsquo;assurance sociale valide. Veuillez remarquer que vous devez fermer votre REER au plus tard en d\u00e9cembre de l&rsquo;ann\u00e9e de votre 71e anniversaire.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Avantages d&rsquo;un REER<\/h5>\n\n\n\n<p>Le REER pr\u00e9sente un certain nombre d&rsquo;avantages, les avantages fiscaux \u00e9tant au c\u0153ur de cet instrument de placement.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Vos cotisations sont d\u00e9ductibles. Lorsque vous cotisez \u00e0 votre REER, vous pouvez d\u00e9duire ce montant de votre revenu imposable de la m\u00eame ann\u00e9e. Par exemple, si vous avez cotis\u00e9 5 000 $ \u00e0 votre REER, votre revenu imposable de l&rsquo;ann\u00e9e au cours de laquelle vous avez effectu\u00e9 cette cotisation diminue de 5 000 $. Les cotisations \u00e0 un REER sont donc effectu\u00e9es en dollars avant imp\u00f4t.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L&rsquo;imposition est report\u00e9e. Les revenus et les gains en capital g\u00e9n\u00e9r\u00e9s par vos placements dans un REER font l&rsquo;objet d&rsquo;un report d&rsquo;imp\u00f4t. Cela signifie que vous ne payez pas d&rsquo;imp\u00f4t sur la croissance des placements jusqu&rsquo;\u00e0 ce que vous retiriez les fonds de votre REER.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Choix de placements du REER<\/h5>\n\n\n\n<p>Les REER ne sont pas de simples comptes d&rsquo;\u00e9pargne. Dans votre REER, vous pouvez d\u00e9tenir diff\u00e9rents placements, notamment des actions, des fonds n\u00e9goci\u00e9s en bourse (FNB), des fonds communs de placement, des obligations et des certificats de placement garanti (CPG) \u2013 assurez-vous simplement qu&rsquo;il s&rsquo;agit de <a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/investing-academy\/article\/owning-a-non-qualified-investment-can-be-costly\/k8kupbpp\">placements admissibles<\/a>.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Plafonds de cotisation<\/h5>\n\n\n\n<p>Vous pouvez cotiser jusqu&rsquo;\u00e0 18 % de votre revenu d&rsquo;une ann\u00e9e \u2013 jusqu&rsquo;\u00e0 concurrence d&rsquo;un plafond annuel. <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/e-services\/e-services-individuals\/account-individuals.html\">Visitez le site Web de l&rsquo;Agence du revenu du Canada en cliquant ici<\/a>. Une fois votre session ouverte, faites d\u00e9filer la page jusqu&rsquo;au lien vers le plafond de cotisation REER.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<p><sup>1 <\/sup>Les actifs d&rsquo;un CELI doivent \u00eatre des investissements admissibles en vertu de la Loi de l&rsquo;imp\u00f4t sur le revenu. Si le CELI renferme des placements non admissibles, ils peuvent \u00eatre assujettis \u00e0 l&rsquo;imp\u00f4t.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Placement 101 pour \u00e9tudiants \u2013 4 choses \u00e0 savoir sur les CELI et les REER &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissement\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissement\/placement-101-pour-etudiants-4-choses-a-savoir-sur-les-celi-et-les-reer\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5229137b-e299-4ec2-a2c2-f6cab8802c48\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/celi\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">CELI<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"614\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Deux cubes en bois avec le signe plus et moins\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg 6000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?resize=300,180 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?resize=768,461 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?resize=1024,614 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?resize=1536,922 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/Invest-vs-debt-shutterstock_2162744243.jpg?resize=2048,1229 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placement\/\">\n\t\t\t\t\t\tL\u2019abc des placement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placement\/dette-ou-investissement\/\" class=\"card-title h4 mar-t-0\">Investir ou rembourser une dette Que faire de votre argent<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une femme sur son ordinateur portable\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg 5844w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/shutterstock_2233829799.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/\">\n\t\t\t\t\t\tAcad\u00e9mie des placements\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/trouver-le-juste-equilibre-pourquoi-les-investisseurs-ne-devraient-pas-avoir-a-choisir-entre-les-cpg-et-les-fonds-communs-de-placement\/\" class=\"card-title h4 mar-t-0\">Trouver le juste \u00e9quilibre : Pourquoi les investisseurs ne devraient pas avoir \u00e0 choisir entre les CPG et les fonds communs de placement<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"500\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/Bull-Vs-Bear-930-X-500.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Bull VS Bear avec un signe dollar entre eux\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/Bull-Vs-Bear-930-X-500.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/Bull-Vs-Bear-930-X-500.jpg?resize=300,161 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/06\/Bull-Vs-Bear-930-X-500.jpg?resize=768,413 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/\">\n\t\t\t\t\t\tAcad\u00e9mie des placements\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/faq-marches-baissiers-et-marches-haussiers\/\" class=\"card-title h4 mar-t-0\">FAQ : march\u00e9s baissiers et march\u00e9s haussiers<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-5229137b-e299-4ec2-a2c2-f6cab8802c48 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-5229137b-e299-4ec2-a2c2-f6cab8802c48 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Apprenez quatre choses au sujet d&rsquo;un CELI et d&rsquo;un REER d\u00e8s aujourd&rsquo;hui.<\/p>\n","protected":false},"author":85,"featured_media":22589,"parent":21223,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[148],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[127],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,47,178],"class_list":["post-22588","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-celi","rbc_content_type-article","rbc_lob_group-etudiants","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-placements","rbc_mmm_category-types-dinvestissement"],"acf":{"contently_publication_id":"365194","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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