{"id":6872,"date":"2022-05-03T00:00:00","date_gmt":"2022-05-03T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/"},"modified":"2024-02-22T15:47:54","modified_gmt":"2024-02-22T15:47:54","slug":"devrais-je-cotiser-a-un-reer-de-conjoint","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","title":{"rendered":"Devrais-je cotiser \u00e0 un REER de conjoint ?"},"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\/epargne\/\">\n\t\t\t\t\t\t\t<span>\u00c9pargne<\/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\">Devrais-je cotiser \u00e0 un REER de conjoint ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Alexandra Macqueen<\/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\/TD-67.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Image d&#039;un couple heureux assis sur un sofa dans un moment de d\u00e9tente, qui regarde l&#039;\u00e9cran de la tablette que tient l&#039;homme.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.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=Devrais-je cotiser \u00e0 un REER de conjoint ? &#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\/labc-des-placements\/devrais-je-cotiser-a-un-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\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-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 3 mai 2022 \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>Alors qu&rsquo;un <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&amp;p=6868\" data-dig-id=\"LP-6872-82c9f72c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"REER\" class=\"rbc-link-format\">REER<\/a> ordinaire peut vous aider \u00e0 \u00e9pargner en vue de la retraite, un REER de conjoint peut \u00eatre avantageux pour votre couple, aussi bien avant qu&rsquo;apr\u00e8s la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Diff\u00e9rences entre un REER ordinaire et un REER de conjoint<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&amp;p=6868\" data-dig-id=\"LP-6872-0935d3b0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"REER ordinaire\" class=\"rbc-link-format\">REER ordinaire<\/a>.<\/strong>&nbsp;Lorsque vous \u00e9tablissez un REER ordinaire pour vous-m\u00eame,&nbsp;<strong>vous \u00eates \u00e0 la fois le cotisant et le titulaire<\/strong>&nbsp;du compte. C\u2019est donc vous qui cotisez au compte et qui recevez la d\u00e9duction fiscale des cotisations. \u00c0 la retraite, les sommes que vous retirez du compte sont ajout\u00e9es \u00e0 votre revenu imposable, et vous payez alors tout imp\u00f4t exigible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>REER de conjoint.<\/strong>&nbsp;Lorsque vous cotisez \u00e0 un REER de conjoint, vous recevez la m\u00eame d\u00e9duction fiscale, mais le r\u00e9gime est au nom de votre conjoint de droit ou de fait. Pour des m\u00e9decins, cela peut-\u00eatre un excellent moyen de fractionner le revenu si l\u2019un de vous a des revenus plus \u00e9lev\u00e9s que l\u2019autre. Comme dans le cas d\u2019un REER ordinaire,&nbsp;<strong>vous \u00eates le cotisant<\/strong>. Toutefois,&nbsp;<strong>le titulaire du compte est votre conjoint de droit ou de fait<\/strong>, et \u00e0 ce titre, c\u2019est lui qui devra payer l\u2019imp\u00f4t exigible sur les sommes retir\u00e9es du compte.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Avantages d&rsquo;un REER de conjoint pour votre m\u00e9nage<\/h2>\n\n\n\n<p>Au Canada, les taux d&rsquo;imposition 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.<\/p>\n\n\n\n<p>Par exemple, si vous gagnez un salaire \u00e9lev\u00e9 en tant que m\u00e9decin praticien, il se peut que votre taux d&rsquo;imposition atteigne 50 %, voire plus, comparativement \u00e0 30 % pour votre conjoint si son revenu est plus faible. Et un conjoint de droit ou de fait qui n&rsquo;a aucun revenu d&#8217;emploi ne paie parfois aucun imp\u00f4t.<\/p>\n\n\n\n<p>S&rsquo;il y a une grande diff\u00e9rence de revenu entre vous et votre conjoint de droit ou de fait, vous pourriez \u00e9tablir un REER de conjoint auquel cotisera la personne qui a le revenu le plus \u00e9lev\u00e9. Ainsi, votre m\u00e9nage pourra profiter des diff\u00e9rents taux d&rsquo;imposition pendant sa vie active et \u00e0 la retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avantages d&rsquo;un REER de conjoint pour les professionnels de la sant\u00e9<\/h2>\n\n\n\n<p><b>Avant la retraite : Sarah et J\u00e9r\u00f4me<\/b><\/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>Sarah est m\u00e9decin. Son revenu d\u2019emploi salari\u00e9 est impos\u00e9 \u00e0 54 %. Son conjoint de fait, J\u00e9r\u00f4me, est charg\u00e9 de cours \u00e0 temps partiel \u00e0 l\u2019universit\u00e9. Son salaire est impos\u00e9 \u00e0 30,5 % au taux le plus \u00e9lev\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Si J\u00e9r\u00f4me cotise 1 000 $ \u00e0 son propre REER, il aura droit \u00e0 une d\u00e9duction fiscale de 305 $ (30,5 % x 1 000 $).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Si Sarah cotise 1 000 $ au REER de conjoint de J\u00e9r\u00f4me, elle aura droit \u00e0 une d\u00e9duction d\u00e9termin\u00e9e d\u2019apr\u00e8s son taux d\u2019imposition de 54 %. Par cons\u00e9quent, Sarah recevra un remboursement d\u2019imp\u00f4t de 540 $ pour cette cotisation de 1 000 $.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le remboursement d\u2019imp\u00f4t de Sarah est le m\u00eame, mais c\u2019est J\u00e9r\u00f4me qui sera impos\u00e9 sur les sommes retir\u00e9es du REER de conjoint auquel Sarah a cotis\u00e9.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>\u00c0 la retraite : Sarah et J\u00e9r\u00f4me<\/b><\/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>Comme Sarah a utilis\u00e9 une partie de ses droits de cotisation et qu\u2019elle a profit\u00e9 de son salaire plus \u00e9lev\u00e9 pour cotiser \u00e0 un REER de conjoint au b\u00e9n\u00e9fice de J\u00e9r\u00f4me, chaque conjoint aura \u00e0 peu pr\u00e8s le m\u00eame montant dans son propre REER.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Sarah et J\u00e9r\u00f4me seront donc impos\u00e9s s\u00e9par\u00e9ment quand ils puiseront dans leur REER respectif une fois \u00e0 la retraite, ce qui fera baisser la facture fiscale de leur m\u00e9nage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Au lieu de payer de l\u2019imp\u00f4t sur les 5 000 $ retir\u00e9s chaque mois du REER de Sarah, chacun des conjoints pourra retirer 2 500 $ de son propre REER.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cela permettra d\u2019\u00e9galiser les revenus, ce qui, en raison des taux d\u2019imposition progressifs au Canada, est une strat\u00e9gie plus avantageuse sur le plan fiscal que si tous les retraits \u00e9taient faits \u00e0 partir du m\u00eame compte.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Un REER de conjoint est-il avantageux pour mon m\u00e9nage ?<\/h2>\n\n\n\n<p>Lorsque les circonstances s&rsquo;y pr\u00eatent, il peut \u00eatre avantageux d&rsquo;int\u00e9grer un REER de conjoint \u00e0 la planification fiscale et de retraite de son m\u00e9nage. Nombre de professionnels de la sant\u00e9 choisissent un REER distinct pour faciliter la tenue des comptes. Toutefois, sachez qu&rsquo;un REER ordinaire devient un REER de conjoint d\u00e8s que l&rsquo;\u00e9poux ou le conjoint de fait y cotise.<\/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=Devrais-je cotiser \u00e0 un REER de conjoint ? &#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\/labc-des-placements\/devrais-je-cotiser-a-un-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\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-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  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d6cf8024-e753-4b1d-ab6c-78c9ab0fd9d3\" 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\/epargne\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9pargne<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses donn\u00e9es<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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\/cybersecurite\/cybersecurite-pour-les-entreprises\/\">\n\t\t\t\t\t\tCybers\u00e9curit\u00e9 pour les entreprises\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\/cybersecurite\/cybersecurite-pour-les-entreprises\/cybersecurite-des-entreprises-comment-prevenir-et-contrer-les-escroqueries\/\" class=\"card-title h4 mar-t-0\">Cybers\u00e9curit\u00e9 des entreprises : comment pr\u00e9venir et contrer les escroqueries<\/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=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=1024,768 1024w\" 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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/securite-numerique-et-escroqueries-comment-vous-proteger-en-ligne\/\" class=\"card-title h4 mar-t-0\">S\u00e9curit\u00e9 num\u00e9rique et escroqueries : comment vous prot\u00e9ger en ligne<\/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-d6cf8024-e753-4b1d-ab6c-78c9ab0fd9d3 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-d6cf8024-e753-4b1d-ab6c-78c9ab0fd9d3 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l&rsquo;un d&rsquo;entre vous gagne un salaire plus \u00e9lev\u00e9.<\/p>\n","protected":false},"author":112,"featured_media":10018,"parent":6588,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124,149],"rbc_content_type":[121],"rbc_audience":[143,139],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,31,42,118,82,47],"class_list":["post-6872","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","tag-reer","rbc_content_type-article","rbc_audience-jeunes","rbc_audience-parents","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-evenements-de-la-vie","rbc_mmm_category-finances-et-relations","rbc_mmm_category-labc-des-placements","rbc_mmm_category-mariage","rbc_mmm_category-placements"],"acf":{"contently_publication_id":"319335","custom_author":"Alexandra Macqueen","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 v26.7 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l&#039;un d&#039;entre vous gagne un salaire plus \u00e9lev\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l&#039;un d&#039;entre vous gagne un salaire plus \u00e9lev\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Banque Royale\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-22T15:47:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/\",\"name\":\"Devrais-je cotiser \u00e0 un REER de conjoint ? - Mes finances d\u2019abord\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80\",\"datePublished\":\"2022-05-03T00:00:00+00:00\",\"dateModified\":\"2024-02-22T15:47:54+00:00\",\"description\":\"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l'un d'entre vous gagne un salaire plus \u00e9lev\u00e9.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80\",\"width\":930,\"height\":620,\"caption\":\"Image d'un couple heureux assis sur un sofa dans un moment de d\u00e9tente, qui regarde l'\u00e9cran de la tablette que tient l'homme.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Mes finances d\u2019abord\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Acad\u00e9mie Financi\u00e8re\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Placements\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"L\u2019abc des placements\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Devrais-je cotiser \u00e0 un REER de conjoint ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/\",\"name\":\"RBC Banque Royale\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"description":"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l'un d'entre vous gagne un salaire plus \u00e9lev\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","og_locale":"fr_FR","og_type":"article","og_description":"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l'un d'entre vous gagne un salaire plus \u00e9lev\u00e9.","og_url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","og_site_name":"RBC Banque Royale","article_modified_time":"2024-02-22T15:47:54+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","name":"Devrais-je cotiser \u00e0 un REER de conjoint ? - Mes finances d\u2019abord","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80","datePublished":"2022-05-03T00:00:00+00:00","dateModified":"2024-02-22T15:47:54+00:00","description":"Un REER de conjoint pourrait aider votre m\u00e9nage \u00e0 \u00e9pargner en vue de la retraite si l'un d'entre vous gagne un salaire plus \u00e9lev\u00e9.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80","width":930,"height":620,"caption":"Image d'un couple heureux assis sur un sofa dans un moment de d\u00e9tente, qui regarde l'\u00e9cran de la tablette que tient l'homme."},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Mes finances d\u2019abord","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/"},{"@type":"ListItem","position":2,"name":"Acad\u00e9mie Financi\u00e8re","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/"},{"@type":"ListItem","position":3,"name":"Placements","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/"},{"@type":"ListItem","position":4,"name":"L\u2019abc des placements","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/"},{"@type":"ListItem","position":5,"name":"Devrais-je cotiser \u00e0 un REER de conjoint ?"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/","name":"RBC Banque Royale","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Devrais-je cotiser \u00e0 un REER de conjoint ?","url":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/devrais-je-cotiser-a-un-reer-de-conjoint\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80&w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"hardikthakkar"}],"creator":["hardikthakkar"],"publisher":{"@type":"Organization","name":"RBC Banque Royale","logo":""},"keywords":["\u00e9pargne","reer"],"dateCreated":"2022-05-03T00:00:00Z","datePublished":"2022-05-03T00:00:00Z","dateModified":"2024-02-22T15:47:54Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Devrais-je cotiser \\u00e0 un REER de conjoint ?\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/academie-financiere\\\/placements\\\/labc-des-placements\\\/devrais-je-cotiser-a-un-reer-de-conjoint\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/academie-financiere\\\/placements\\\/labc-des-placements\\\/devrais-je-cotiser-a-un-reer-de-conjoint\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/TD-67.jpg?quality=80&w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/TD-67.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"hardikthakkar\"}],\"creator\":[\"hardikthakkar\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Banque Royale\",\"logo\":\"\"},\"keywords\":[\"\\u00e9pargne\",\"reer\"],\"dateCreated\":\"2022-05-03T00:00:00Z\",\"datePublished\":\"2022-05-03T00:00:00Z\",\"dateModified\":\"2024-02-22T15:47:54Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/rbcroyalbank.com\/p.js"},"featured_img":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-67.jpg?quality=80&w=930","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/author\/hardikthakkar\/","display_name":"hardikthakkar"},"relative_dates":{"created":"Publi\u00e9 4 ans il y a","modified":"Mis \u00e0 jour 2 ans il y a"},"absolute_dates":{"created":"Publi\u00e9 le 3 mai 2022","modified":"Mise \u00e0 jour le 22 f\u00e9vrier 2024"},"absolute_dates_time":{"created":"Publi\u00e9 le 3 mai 2022 12:00  ","modified":"Mise \u00e0 jour le 22 f\u00e9vrier 2024 3:47  "},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/epargne\/\" class=\"advgb-post-tax-term\">\u00c9pargne<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/reer\/\" class=\"advgb-post-tax-term\">REER<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">\u00c9pargne<\/span>","<span class=\"advgb-post-tax-term\">REER<\/span>"],"slug":"post_tag","name":"\u00c9tiquettes"},"rbc_content_type":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/content-type\/article\/\" class=\"advgb-post-tax-term\">Article<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Article<\/span>"],"slug":"rbc_content_type","name":"Content Types"},"rbc_audience":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/audience\/jeunes\/\" class=\"advgb-post-tax-term\">Jeunes<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/audience\/parents\/\" class=\"advgb-post-tax-term\">Parents<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Jeunes<\/span>","<span class=\"advgb-post-tax-term\">Parents<\/span>"],"slug":"rbc_audience","name":"Audiences"},"rbc_lob_group":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/lob-group\/placements\/\" class=\"advgb-post-tax-term\">Placements<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Placements<\/span>"],"slug":"rbc_lob_group","name":"LOB Groups"},"rbc_difficulty_level":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/difficulty-level\/beginner\/\" class=\"advgb-post-tax-term\">Beginner<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Beginner<\/span>"],"slug":"rbc_difficulty_level","name":"Difficulty Levels"},"rbc_mmm_category":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/academie-financiere\/\" class=\"advgb-post-tax-term\">Acad\u00e9mie financi\u00e8re<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/evenements-de-la-vie\/\" class=\"advgb-post-tax-term\">\u00c9v\u00e9nements de la Vie<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/finances-et-relations\/\" class=\"advgb-post-tax-term\">Finances et relations<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/labc-des-placements\/\" class=\"advgb-post-tax-term\">L\u2019abc des placements<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/mariage\/\" class=\"advgb-post-tax-term\">Mariage<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/placements\/\" class=\"advgb-post-tax-term\">Placements<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Acad\u00e9mie financi\u00e8re<\/span>","<span class=\"advgb-post-tax-term\">\u00c9v\u00e9nements de la Vie<\/span>","<span class=\"advgb-post-tax-term\">Finances et relations<\/span>","<span class=\"advgb-post-tax-term\">L\u2019abc des placements<\/span>","<span class=\"advgb-post-tax-term\">Mariage<\/span>","<span class=\"advgb-post-tax-term\">Placements<\/span>"],"slug":"rbc_mmm_category","name":"Categories"},"ep_custom_result":{"linked":[],"unlinked":[],"slug":"ep_custom_result","name":"Custom Results"}},"series_order":"","jetpack_sharing_enabled":true,"primary_tag":"124","primary_rbc_mmm_category":"32","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter"}],"about":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/types\/rbc_my_money_matter"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/users\/112"}],"version-history":[{"count":4,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6872\/revisions"}],"predecessor-version":[{"id":27730,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6872\/revisions\/27730"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media\/10018"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=6872"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/tags?post=6872"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_content_type?post=6872"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_audience?post=6872"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=6872"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=6872"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=6872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}