{"id":6902,"date":"2022-09-06T00:00:00","date_gmt":"2022-09-06T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/types-dinvestissements\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/"},"modified":"2024-03-01T18:55:29","modified_gmt":"2024-03-01T18:55:29","slug":"achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/","title":{"rendered":"\u00c9tape par \u00e9tape : comment les achats p\u00e9riodiques par sommes fixes peuvent vous aider \u00e0 r\u00e9duire le risque de placement"},"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\">\u00c9tape par \u00e9tape : comment les achats p\u00e9riodiques par sommes fixes peuvent vous aider \u00e0 r\u00e9duire le risque de placement<\/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\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"escaliers\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg 3864w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2022\/09\/Step_By_Step_How_Dollar_Cost_Averaging_Can_Help_You_Reduce_Investment_Risk.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=\u00c9tape par \u00e9tape : comment les achats p\u00e9riodiques par sommes fixes peuvent vous aider \u00e0 r\u00e9duire le risque de placement &#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\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/\">\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\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/\">\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 6 septembre 2022 \u2022 3 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>Comme le dit l&rsquo;une de nos directrices g\u00e9n\u00e9rales, Marketing RBC, les achats p\u00e9riodiques par sommes fixes emp\u00eachent les investisseurs de jouer aux devinettes et leur offrent une certaine tranquillit\u00e9 d&rsquo;esprit en p\u00e9riode d&rsquo;incertitude.<\/p>\n\n\n\n<p>Ils permettent d&rsquo;exclure les \u00e9motions du processus d\u00e9cisionnel de placement et donc de \u00ab garder le contr\u00f4le au fil du temps, quelles que soient les conditions du march\u00e9 \u00bb, ajoute-t-elle. \u00ab Vous pouvez aussi investir graduellement au lieu de le faire en bloc. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co\u00fbt moyen par part<\/h2>\n\n\n\n<p>Qu&rsquo;est-ce donc la m\u00e9thode d&rsquo;achats p\u00e9riodiques par sommes fixes exactement ?<\/p>\n\n\n\n<p>Il s&rsquo;agit en fait d&rsquo;une strat\u00e9gie de placement simple qui peut vous aider \u00e0 r\u00e9duire le risque associ\u00e9 \u00e0 l&rsquo;anticipation du march\u00e9 et aussi de faire fructifier votre argent \u00e0 long terme, quelles que soient les fluctuations \u00e0 court terme du march\u00e9. Vous pouvez \u00e0 cet effet investir p\u00e9riodiquement un montant fixe, 25 $, 50 $ ou m\u00eame 500 $, toutes les deux semaines, mensuellement ou trimestriellement, peu importe les conditions du march\u00e9.<\/p>\n\n\n\n<p>En payant parfois plus pour certains placements (en p\u00e9riodes de march\u00e9s haussiers), parfois moins pour d&rsquo;autres placements (en p\u00e9riodes de march\u00e9s baissiers), on obtient au bout du compte un prix moyen par placement qui sera id\u00e9alement inf\u00e9rieur \u00e0 ce que vous auriez pay\u00e9 si vous aviez investi en bloc en payant en une seule op\u00e9ration.<\/p>\n\n\n\n<p>Voici un exemple qui en explique le fonctionnement. Vous d\u00e9cidez d&rsquo;investir 500 $ chaque mois. Vous pouvez voir dans le tableau ci-dessous le rendement sur trois mois de votre placement en p\u00e9riode de fluctuation des march\u00e9s<\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\">Temps<\/th><th scope=\"col\">Montant en dollars<\/th><th scope=\"col\">Prix unitaire<\/th><th scope=\"col\">Nbre de parts<\/th><th scope=\"col\">Nombre total<\/th><\/tr><\/thead><tbody><tr><td>Mois 1<\/td><td>500 $<\/td><td>50 $<\/td><td>10<\/td><td>10<\/td><\/tr><tr><td>Mois 2<\/td><td>500 $<\/td><td>100 $<\/td><td>5<\/td><td>15<\/td><\/tr><tr><td>Mois 3<\/td><td>500 $<\/td><td>25 $<\/td><td>20<\/td><td>35<\/td><\/tr><\/tbody><\/table>\n\n\n\n<p class=\"mar-t-qtr\">L\u2019exemple ci-dessus est donn\u00e9 \u00e0 titre indicatif seulement.<\/p>\n\n\n\n<p>Dans cet exemple, vous finissez par payer, en moyenne, 42,80 $ par part (1 500 $\/35 parts = 42,80 $), ce qui est bien inf\u00e9rieur \u00e0 ce que vous auriez pay\u00e9 si vous aviez achet\u00e9 toutes les 35 parts pendant le deuxi\u00e8me mois.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9pargne automatique<\/h3>\n\n\n\n<p>Les avantages de la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes ne se limitent pas au contr\u00f4le du risque. Le placement de montants fixes pendant un certain temps vous permet de prendre en main vos finances. C&rsquo;est comme lorsqu&rsquo;on \u00e9tablit un budget, sauf que dans ce cas-ci vous le faites avec la possibilit\u00e9 de faire cro\u00eetre votre patrimoine \u00e0 long terme. C&rsquo;est une fa\u00e7on de vous prot\u00e9ger des turbulences du march\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">La psychologie qui sous-tend la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes<\/h4>\n\n\n\n<p>Les grosses fluctuations boursi\u00e8res pr\u00e9occupent beaucoup les investisseurs et c&rsquo;est tout \u00e0 fait normal. Mais ce n&rsquo;est plus le cas lorsqu&rsquo;on a recours \u00e0 la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes, puisque cette strat\u00e9gie nous \u00e9vite de prendre des d\u00e9cisions \u00e9motives. Il est impossible d&rsquo;anticiper le march\u00e9, et avec la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes, vous n&rsquo;avez pas \u00e0 le faire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Options offertes en mati\u00e8re de strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes<\/h4>\n\n\n\n<p>Vous pouvez investir dans de nombreuses options de placement (fonds n\u00e9goci\u00e9s en bourse (FNB), fonds communs de placement et actions) avec la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes. Si vous h\u00e9sitez \u00e0 investir un montant forfaitaire d&rsquo;un seul coup dans les march\u00e9s ou encore d\u00e9butez relativement \u00e0 certains placements, la strat\u00e9gie d&rsquo;achats p\u00e9riodiques par sommes fixes pourrait \u00eatre une excellente fa\u00e7on pour vous de commencer.<\/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=\u00c9tape par \u00e9tape : comment les achats p\u00e9riodiques par sommes fixes peuvent vous aider \u00e0 r\u00e9duire le risque de placement &#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\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1d655d23-3326-4f32-a80d-6a6a9c27a516\" 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\/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\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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=\"584\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple qui tape sur un ordinateur portable et un t\u00e9l\u00e9phone portable.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg 1856w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=300,171 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=768,438 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=1024,584 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/Investing-and-Saving_1856x1058.jpg?resize=1536,876 1536w\" 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\/idees-et-motivation\/\">\n\t\t\t\t\t\tId\u00e9es et motivation\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\/idees-et-motivation\/est-il-temps-dinvestir-ou-depargner\/\" class=\"card-title h4 mar-t-0\">Devrais-je \u00e9pargner ou investir ?<\/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=\"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\" 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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 href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/compte-depargne-libre-dimpot\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce qu\u2019un CELI et comment fonctionne-t-il 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