{"id":6988,"date":"2026-01-08T21:02:53","date_gmt":"2026-01-08T21:02:53","guid":{"rendered":""},"modified":"2026-01-08T21:02:55","modified_gmt":"2026-01-08T21:02:55","slug":"celi-reer-et-celiapp-reponses-a-vos-principales-questions","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/epargne-futee\/celi-reer-et-celiapp-reponses-a-vos-principales-questions\/","title":{"rendered":"CELI, REER et CELIAPP : R\u00e9ponses \u00e0 vos principales questions"},"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\/le-confort-du-foyer\/\">\n\t\t\t\t\t\t\t<span>Le confort du foyer<\/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\">CELI, REER et CELIAPP : R\u00e9ponses \u00e0 vos principales questions<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By l\u2019\u00e9quipe Investisseur inspir\u00e9d<\/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=\"654\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/11\/85401d45-d316-499d-ac08-c12222d604be.png?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une famille heureuse marchant dans un quartier\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/11\/85401d45-d316-499d-ac08-c12222d604be.png 1054w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/11\/85401d45-d316-499d-ac08-c12222d604be.png?resize=300,192 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/11\/85401d45-d316-499d-ac08-c12222d604be.png?resize=768,490 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/11\/85401d45-d316-499d-ac08-c12222d604be.png?resize=1024,654 1024w\" 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=CELI, REER et CELIAPP : R\u00e9ponses \u00e0 vos principales questions &#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\/epargne-futee\/celi-reer-et-celiapp-reponses-a-vos-principales-questions\/\">\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\/epargne-futee\/celi-reer-et-celiapp-reponses-a-vos-principales-questions\/\">\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 8 janvier 2026 \u2022 6 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<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tlpl\">TLPL<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>D\u00e9couvrez trois options de comptes de placement&nbsp;: comment choisir celle qui correspond \u00e0 vos objectifs financiers&nbsp;?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Chaque r\u00e9gime est assorti de plafonds de cotisation, de dates limites de versement et d\u2019incidences fiscales qui lui sont propres.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cette br\u00e8ve liste de v\u00e9rification vous permettra de savoir lequel ou lesquels des r\u00e9gimes enregistr\u00e9s r\u00e9pondent le mieux \u00e0 vos objectifs.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Avec lequel de ces trois principaux comptes de placements enregistr\u00e9s \u00eates-vous le plus en mesure d\u2019atteindre vos objectifs d\u2019\u00e9pargne et de placement\u00a0?<\/p>\n\n\n\n<p>Que vous ayez besoin d\u2019acheter un nouvel appareil ou un logement ou d\u2019\u00e9pargner pour votre retraite, les placements peuvent vous aider \u00e0 faire fructifier votre patrimoine et \u00e0 atteindre vos objectifs financiers plus rapidement. Voici les trois principaux comptes de placements enregistr\u00e9s au Canada qui vous offrent cette possibilit\u00e9&nbsp;:&nbsp;<\/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><strong>Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/strong> est un r\u00e9gime de placement enregistr\u00e9 souple qui permet aux Canadiens d\u2019\u00e9conomiser pour r\u00e9aliser l\u2019objectif de leur choix \u2013 nouveaux meubles, achat d\u2019une voiture, vacances, revenu de retraite ou combinaison de plusieurs objectifs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER)<\/strong> est un r\u00e9gime de placement \u00e0 imposition diff\u00e9r\u00e9e qui permet aux Canadiens d\u2019\u00e9pargner pour leur retraite.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP)<\/strong> a \u00e9t\u00e9 lanc\u00e9 le 1<sup>er<\/sup>\u00a0avril\u00a02023 et constitue le troisi\u00e8me r\u00e9gime enregistr\u00e9 pouvant \u00eatre utilis\u00e9 par les Canadiens pour atteindre leurs objectifs d\u2019\u00e9pargne, de retraite et d\u2019accession \u00e0 la propri\u00e9t\u00e9.\u00a0<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Bien que ces trois comptes de placement offrent des avantages fiscaux, ils comportent des diff\u00e9rences notables qu\u2019il faut bien conna\u00eetre. Qu\u2019il s\u2019agisse du traitement fiscal propre \u00e0 chaque r\u00e9gime ou des r\u00e8gles r\u00e9gissant les cotisations et les retraits, voici tout ce que vous devez savoir sur les CELI, les REER et les CELIAPP.\u00a0<\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped mar-b-hlf\"><thead><tr><th scope=\"col\">Caract\u00e9ristiques<\/th><th scope=\"col\"><strong>CELI<\/strong><\/th><th scope=\"col\">REER<\/th><th scope=\"col\"><strong>CELIAPP<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>De quoi s\u2019agit-il\u00a0?<\/strong><\/td><td>Un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t est un\u00a0compte de placement enregistr\u00e9 comprenant des d\u00e9p\u00f4ts d\u2019\u00e9pargne et des placements qui g\u00e9n\u00e8rent un revenu libre d\u2019imp\u00f4t, vous permettant d\u2019\u00e9pargner en vue d\u2019un achat important ou d\u2019un objectif.<br><a data-icon-class=\"goto-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celi.html\" data-dig-id=\"LP-6988-47d642a7\" data-dig-label=\"En savoir plus sur le CELI\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format goto-link\">En savoir plus sur le CELI<\/a><\/td><td>Un compte de placement enregistr\u00e9 qui vous permet d\u2019\u00e9pargner pour la retraite et vous offre des avantages fiscaux \u2013 l\u2019argent \u00e9conomis\u00e9 fructifie\u00a0\u00e0 l\u2019abri de l\u2019imp\u00f4t\u00a0et peut vous aider \u00e0 payer moins d\u2019imp\u00f4t, car vous pouvez d\u00e9duire vos cotisations REER de votre revenu imposable.<br><a data-icon-class=\"goto-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/reer.html\" data-dig-id=\"LP-6988-b3818e7d\" data-dig-label=\"En savoir plus sur le REER\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format goto-link\">En savoir plus sur le REER<\/a><br><\/td><td>Un compte enregistr\u00e9 qui vous permet d\u2019\u00e9pargner \u00e0 l\u2019abri de l\u2019imp\u00f4t pour l\u2019achat ou la construction d\u2019une premi\u00e8re propri\u00e9t\u00e9.\u00a0<br><a data-icon-class=\"goto-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celiapp.html\" data-dig-id=\"LP-33026-81bff884\" data-dig-label=\"En savoir plus sur le CELIAPP\n\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format goto-link\">En savoir plus sur le CELIAPP<\/a><\/td><\/tr><tr><td><strong>Qui peut en ouvrir un&nbsp;?<\/strong><\/td><td>Les r\u00e9sidents canadiens d\u00e9tenant un num\u00e9ro d\u2019assurance sociale (NAS) et ayant atteint l\u2019\u00e2ge de la majorit\u00e9 (18 ou 19 ans, selon leur province de r\u00e9sidence) peuvent ouvrir un CELI.\u00a0<\/td><td>Les r\u00e9sidents canadiens de moins de 71\u00a0ans qui ont un num\u00e9ro d\u2019assurance sociale (NAS) valide, qui ont gagn\u00e9 un revenu et qui ont produit une d\u00e9claration de revenus au Canada. Il n\u2019y a pas d\u2019\u00e2ge minimal pour \u00eatre admissible au REER.<\/td><td>Les r\u00e9sidents canadiens ayant un num\u00e9ro d\u2019assurance sociale (NAS) valide, qui ont au moins l\u2019\u00e2ge de la majorit\u00e9, mais pas plus de 71\u00a0ans, et qui n\u2019ont pas habit\u00e9 dans une maison dont ils \u00e9taient propri\u00e9taires ou copropri\u00e9taires pendant l\u2019ann\u00e9e en cours ou au cours des quatre ann\u00e9es civiles pr\u00e9c\u00e9dentes. D\u2019autres conditions peuvent s\u2019appliquer.<\/td><\/tr><tr><td><strong>Les cotisations sont-elles d\u00e9ductibles du revenu imposable&nbsp;?&nbsp;<\/strong><\/td><td>Non<\/td><td>Oui (dans la limite du plafond personnel des d\u00e9ductions)<\/td><td>Oui (jusqu\u2019\u00e0 concurrence des limites annuelles et cumulatives)<\/td><\/tr><tr><td><strong>Mon \u00e9pargne fructifie-t-elle \u00e0 l\u2019abri de l\u2019imp\u00f4t ou l\u2019imp\u00f4t est-il diff\u00e9r\u00e9&nbsp;?<\/strong><\/td><td>\u00c0 l\u2019abri de l\u2019imp\u00f4t<\/td><td>Imp\u00f4t diff\u00e9r\u00e9 (\u00e9pargne ajout\u00e9e au revenu imposable l\u2019ann\u00e9e du retrait\u00a0; la retenue d\u2019imp\u00f4t s\u2019appliquera \u00e9galement aux retraits<a>\u00a0<\/a>anticip\u00e9s)<\/td><td>Retrait en franchise d\u2019imp\u00f4t si vous utilisez les fonds pour acheter une premi\u00e8re maison admissible et que le retrait r\u00e9pond aux crit\u00e8res d\u2019admissibilit\u00e9<\/td><\/tr><tr><td><strong>Combien puis-je verser chaque ann\u00e9e&nbsp;?<\/strong><\/td><td>En 2026, vous pouvez cotiser 7\u00a0000\u00a0$, plus les droits de cotisation inutilis\u00e9s et les montants retir\u00e9s pr\u00e9c\u00e9demment (vous ne pouvez cotiser de nouveau qu\u2019\u00e0 partir du 1<sup>er<\/sup>\u00a0janvier de l\u2019ann\u00e9e suivant le retrait). Bien que le plafond de cotisation au CELI soit index\u00e9 sur l\u2019inflation, il n\u2019augmente pas chaque ann\u00e9e. Le gouvernement annonce les plafonds de cotisation chaque ann\u00e9e.<\/td><td>Vous pouvez cotiser 18\u00a0% du revenu gagn\u00e9 de l\u2019ann\u00e9e pr\u00e9c\u00e9dente, jusqu\u2019\u00e0 concurrence de 32\u00a0490\u00a0$ pour 2025. (Le maximum augmente chaque ann\u00e9e.) Les portions inutilis\u00e9es sont report\u00e9es \u00e0 l\u2019ann\u00e9e suivante.<\/td><td>Vous pouvez cotiser jusqu\u2019\u00e0 8\u00a0000\u00a0$, et les portions inutilis\u00e9es peuvent \u00eatre report\u00e9es \u00e0 l\u2019ann\u00e9e suivante, mais seulement pour une ann\u00e9e. Il existe aussi un plafond de cotisation cumulatif de 40\u00a0000\u00a0$.<\/td><\/tr><tr><td><strong>Quelles sont les dates limites de cotisation&nbsp;?<\/strong><\/td><td>Il n&rsquo;y a pas de date limite de cotisation, mais les nouveaux droits de cotisation augmentent apr\u00e8s le 31\u00a0d\u00e9cembre. Si vous n\u2019avez pas atteint votre plafond de cotisation les ann\u00e9es pr\u00e9c\u00e9dentes, vous avez la possibilit\u00e9 d\u2019effectuer des cotisations de rattrapage. Vous pouvez d\u00e9terminer vos droits de cotisation restants en consultant votre compte de l\u2019ARC.<\/td><td>La date limite de cotisation \u00e0 un REER pour 2025 est le 2\u00a0mars\u00a02026. Si vous effectuez des cotisations apr\u00e8s cette date, vous ne pouvez pas les d\u00e9duire dans votre d\u00e9claration fiscale de 2025.<\/td><td>La date limite est toujours le 31\u00a0d\u00e9cembre de l\u2019ann\u00e9e d\u2019imposition, et vous devez effectuer les versements avant cette date pour que vos cotisations soient d\u00e9duites de votre revenu imposable de 2025.<\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>Consultez la page <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celi-reer-celiapp.html\" data-dig-id=\"LP-6988-7a1c0c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Comparaison entre le CELI, le REER et le CELIAPP\" class=\"rbc-link-format\">Comparaison entre le CELI, le REER et le CELIAPP<\/a> pour obtenir plus de r\u00e9ponses et des renseignements sur les types de placements qui peuvent \u00eatre d\u00e9tenus dans chaque compte.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Prenez rendez-vous avec votre conseiller pour choisir vos meilleures options.<\/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=CELI, REER et CELIAPP : R\u00e9ponses \u00e0 vos principales questions &#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\/epargne-futee\/celi-reer-et-celiapp-reponses-a-vos-principales-questions\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-3b1c28f2-72f0-4a9c-8878-a7ede255c155\" 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\/le-confort-du-foyer\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Le confort du foyer<\/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\" 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 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\/>\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 ?<\/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-3b1c28f2-72f0-4a9c-8878-a7ede255c155 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3b1c28f2-72f0-4a9c-8878-a7ede255c155 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Importe de bien comprendre les diff\u00e9rences existantes entre les r\u00e9gimes de placement enregistr\u00e9s pour savoir comment l\u0092un ou l\u0092autre de ces r\u00e9gimes peut vous aider \u00e0 atteindre vos objectifs.<\/p>\n","protected":false},"author":10,"featured_media":33101,"parent":7090,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[326],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[280,169],"class_list":["post-6988","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-le-confort-du-foyer","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-epargne-futee","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"351770","custom_author":"l\u2019\u00e9quipe Investisseur inspir\u00e9d","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":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Importe de bien comprendre les diff\u00e9rences existantes entre les r\u00e9gimes de placement enregistr\u00e9s pour savoir comment l\u2019un ou l\u2019autre de ces r\u00e9gimes peut vous aider \u00e0 atteindre vos objectifs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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