{"id":26887,"date":"2024-02-02T19:06:58","date_gmt":"2024-02-02T19:06:58","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=26887"},"modified":"2025-02-05T18:40:54","modified_gmt":"2025-02-05T18:40:54","slug":"quest-ce-quun-reer-de-conjoint","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quest-ce-quun-reer-de-conjoint\/","title":{"rendered":"Qu\u2019est-ce qu\u2019un REER de conjoint\u00a0?"},"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\/question-de-la-semaine\/\">\n\t\t\t\t\t\t\t<span>Question de la Semaine<\/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\">Qu\u2019est-ce qu\u2019un REER de conjoint\u00a0?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By L&#039;\u00e9quipe Investisseur Inspir\u00e9<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg 8256w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/02\/Feb-PSI_Spousal-RRSP.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Qu\u2019est-ce qu\u2019un REER de conjoint\u00a0? &#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\/investisseur-inspire\/academie-des-placements\/quest-ce-quun-reer-de-conjoint\/\">\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\/investisseur-inspire\/academie-des-placements\/quest-ce-quun-reer-de-conjoint\/\">\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 f\u00e9vrier 2024 \u2022 4 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>La maximisation de l\u2019\u00e9pargne-retraite est devenue un \u00e9l\u00e9ment cl\u00e9 de la gestion complexe des finances des couples. Certains trouvent utile d\u2019\u00e9tablir un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite de conjoint (REER de conjoint), qui peut leur offrir certains avantages financiers et fiscaux.<\/p>\n\n\n\n<p>Le REER de conjoint est un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite con\u00e7u pour les couples, mari\u00e9s ou conjoints de fait, qui permet \u00e0 l\u2019un des partenaires de cotiser au REER de l\u2019autre. La personne qui cotise au REER de conjoint b\u00e9n\u00e9ficie de la d\u00e9duction fiscale, mais le r\u00e9gime est \u00e9tabli au nom de l\u2019\u00e9poux ou du conjoint de fait non cotisant. Le REER de conjoint permet aux couples d\u2019\u00e9quilibrer leurs revenus de retraite maintenant et plus tard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avantages-d-un-reer-de-conjoint\">Avantages d\u2019un REER de conjoint<\/h2>\n\n\n\n<p>L\u2019un des principaux avantages du REER de conjoint r\u00e9side dans la possibilit\u00e9 de fractionner le revenu de retraite entre les conjoints. Au Canada, les taux d\u2019imposition sont progressifs. Une personne qui gagne un revenu plus \u00e9lev\u00e9 que son conjoint de droit ou de fait est donc normalement impos\u00e9e \u00e0 un taux plus \u00e9lev\u00e9. Par exemple, un conjoint qui gagne un salaire \u00e9lev\u00e9 pourrait \u00eatre impos\u00e9 \u00e0 un taux de 50 %, voire plus, comparativement \u00e0 30 % pour le conjoint dont le revenu est plus faible. Un conjoint de droit ou de fait qui n\u2019a aucun revenu d\u2019emploi ne paie parfois aucun imp\u00f4t.<\/p>\n\n\n\n<p>Si vous et votre \u00e9poux ou conjoint de fait gagnez des revenus tr\u00e8s diff\u00e9rents, la personne dont les revenus sont les plus \u00e9lev\u00e9s peut cotiser \u00e0 un REER de conjoint pour la personne dont les revenus sont les plus faibles. Ainsi, comme m\u00e9nage, vous pouvez tirer parti des diff\u00e9rents taux d\u2019imposition. Le conjoint qui a des revenus plus \u00e9lev\u00e9s peut alors b\u00e9n\u00e9ficier d\u2019une d\u00e9duction fiscale plus importante, et le conjoint qui a des revenus plus faibles, payer moins d\u2019imp\u00f4ts au moment du retrait. Cela permet \u00e0 la famille de disposer de plus d\u2019argent dans ses poches. Aussi, les particuliers ne peuvent pas cotiser \u00e0 leur propre REER apr\u00e8s le 31 d\u00e9cembre de l\u2019ann\u00e9e au cours de laquelle ils atteignent l\u2019\u00e2ge de 71 ans. Ils peuvent toutefois continuer \u00e0 cotiser au REER de leur conjoint si celui-ci n\u2019a pas encore atteint l\u2019\u00e2ge de 71 ans et s\u2019ils disposent de droits de cotisation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-facteur-temps\">Facteur temps<\/h2>\n\n\n\n<p>Le choix d\u2019un REER de conjoint d\u00e9pend de plusieurs facteurs, notamment de l\u2019\u00e9cart du revenu entre les conjoints, des r\u00e9gimes de retraite personnels des conjoints et de l\u2018\u00e2ge des conjoints. Les conjoints qui pr\u00e9sentent un grand \u00e9cart de revenu peuvent commencer \u00e0 cotiser r\u00e9guli\u00e8rement au REER de conjoint et plus t\u00f4t au cours de leurs ann\u00e9es de travail pour maximiser les avantages fiscaux \u00e0 long terme et laisser leur placement fructifier.<\/p>\n\n\n\n<p>Dans le cas o\u00f9 l\u2019un des conjoints envisage de prendre une retraite anticip\u00e9e, les cotisations vers\u00e9es dans le REER de conjoint avant la prise de retraite de ce conjoint peuvent permettre une meilleure r\u00e9partition du revenu et diminuer \u00e9ventuellement l\u2019imp\u00f4t exigible \u00e0 la retraite.<\/p>\n\n\n\n<p>En fin de compte, un REER de conjoint ne permet pas seulement de tirer le meilleur parti de l\u2019imp\u00f4t, mais favorise une retraite plus \u00e9quitable et un avenir financier sain pour les deux conjoints .<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/book-an-appointment\/book-an-appointment.html\" data-dig-id=\"LP-26887-8140a927\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Prenez rendez-vous\" class=\"rbc-link-format\">Prenez rendez-vous<\/a> avec un conseiller RBC pour en savoir plus sur l\u2019ouverture d\u2019un REER de conjoint.<\/p>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-26887-b2c53a81\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Les services de planification financi\u00e8re et les conseils en placement sont offerts par Fonds d\u2019investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d\u2019actifs Inc., Banque Royale du Canada, Soci\u00e9t\u00e9 Trust Royal du Canada et Compagnie Trust Royal sont des entit\u00e9s juridiques distinctes et affili\u00e9es. FIRI est inscrit au Qu\u00e9bec en tant que cabinet de services financiers.<br><br>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><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\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=Qu\u2019est-ce qu\u2019un REER de conjoint\u00a0? &#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\/investisseur-inspire\/academie-des-placements\/quest-ce-quun-reer-de-conjoint\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          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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\/question-de-la-semaine\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Question de la Semaine<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/reer\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">REER<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune homme utilisant un ordinateur portable \u00e0 un bureau et regardant un calendrier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=768,512 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\/planification-reer-de-derniere-minute-date-limite-plafonds-et-plus\/\" class=\"card-title h4 mar-t-0\">Guide des plafonds et des d\u00e9lais de cotisation \u00e0 un REER<\/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\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.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\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a 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alt=\"Liste de contr\u00f4le des formulaires num\u00e9riques\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 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\/connaissances-financieres-de-base\/etablissement-du-budget\/\">\n\t\t\t\t\t\t\u00c9tablissement du budget\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\/connaissances-financieres-de-base\/etablissement-du-budget\/plan-financier-2026-adaptation-de-votre-budget-de-votre-emprunt-et-de-vos-placements-a-vos-objectifs\/\" class=\"card-title h4 mar-t-0\">Plan financier 2026\u00a0: guide de l\u2019endettement, de l\u2019\u00e9tablissement d\u2019un budget et des placements au Canada<\/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-c7bfddfc-39be-42e8-a5a8-31941e7633eb {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c7bfddfc-39be-42e8-a5a8-31941e7633eb {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>La maximisation de l\u2019\u00e9pargne-retraite est devenue un \u00e9l\u00e9ment cl\u00e9 de la gestion complexe des finances des couples. Certains trouvent utile d\u2019\u00e9tablir un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite de conjoint (REER de conjoint), qui peut leur offrir certains avantages financiers et fiscaux.<\/p>\n","protected":false},"author":125,"featured_media":26889,"parent":7089,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[327,149],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[],"rbc_difficulty_level":[],"rbc_mmm_category":[265,169],"class_list":["post-26887","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-question-de-la-semaine","tag-reer","rbc_content_type-article","rbc_mmm_category-academie-des-placements","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"","custom_author":"L'\u00e9quipe Investisseur Inspir\u00e9","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"La maximisation de l\u2019\u00e9pargne-retraite est devenue un \u00e9l\u00e9ment cl\u00e9 de la gestion complexe des finances des couples. 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