{"id":6990,"date":"2023-03-30T00:00:00","date_gmt":"2023-03-30T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/budget-2023-principaux-points-a-retenir-pour-les-investisseurs\/"},"modified":"2024-03-04T15:03:24","modified_gmt":"2024-03-04T15:03:24","slug":"budget-2023-principaux-points-a-retenir-pour-les-investisseurs","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/budget-2023-principaux-points-a-retenir-pour-les-investisseurs\/","title":{"rendered":"Budget\u00a02023\u00a0: Principaux points \u00e0 retenir pour les investisseurs"},"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\/etablissement-dun-budget\/\">\n\t\t\t\t\t\t\t<span>\u00c9tablissement d\u2019un budget<\/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\">Budget\u00a02023\u00a0: Principaux points \u00e0 retenir pour les investisseurs<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Krystyne Manzer, RBC Gestion mondiale d\u2019actifs<\/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-2023-03-30T131252.384.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Un drapeau du Canada flotte au-dessus de l&#039;\u00e9difice du Parlement \u00e0 Ottawa.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T131252.384.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T131252.384.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T131252.384.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=Budget\u00a02023\u00a0: Principaux points \u00e0 retenir pour les investisseurs &#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\/budget-2023-principaux-points-a-retenir-pour-les-investisseurs\/\">\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\/budget-2023-principaux-points-a-retenir-pour-les-investisseurs\/\">\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 30 mars 2023 \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<p><em>Le rapport suivant a initialement \u00e9t\u00e9 publi\u00e9 par <a href=\"https:\/\/www.rbcgam.com\/documents\/fr\/ns\/canadian-budget-2023-f.pdf?dotcache=refresh&amp;cache=clear\" data-dig-id=\"LP-6990-7519b2b3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Gestion mondiale d\u2019actifs\" class=\"rbc-link-format\">RBC Gestion mondiale d\u2019actifs<\/a>.<\/em><\/p>\n\n\n\n<p>Alors que l\u2019\u00e9conomie continue de s\u2019adapter \u00e0 la flamb\u00e9e de l\u2019inflation, \u00e0 la hausse consid\u00e9rable des taux d\u2019int\u00e9r\u00eat et \u00e0 leurs effets sur la croissance, le gouvernement du Canada a pr\u00e9sent\u00e9 un budget ax\u00e9 sur les initiatives d\u2019\u00e9nergie propre, les mesures d\u2019accessibilit\u00e9 et les d\u00e9penses de soins de sant\u00e9 d\u00e9j\u00e0 annonc\u00e9es. La discipline budg\u00e9taire fait d\u00e9faut, et l\u2019on s\u2019attend \u00e0 des d\u00e9ficits budg\u00e9taires plus importants dans chacune des cinq ann\u00e9es \u00e0 venir par rapport \u00e0 la mise \u00e0 jour de l\u2019automne.<\/p>\n\n\n\n<p>Le plan budg\u00e9taire 2023 pr\u00e9voit d\u00e9sormais une augmentation des d\u00e9penses et une r\u00e9duction des revenus. Il en r\u00e9sultera un d\u00e9ficit de 40,1 G$ pour l\u2019exercice 2023-2024, soit environ 10 G$ de plus que les chiffres publi\u00e9s \u00e0 l\u2019automne. Ces donn\u00e9es montrent que la situation budg\u00e9taire demeure \u00e0 l\u2019arri\u00e8re-plan par rapport aux mesures de d\u00e9penses expansives. En retour, le NPD est susceptible d\u2019apporter son soutien au gouvernement lib\u00e9ral minoritaire. Malgr\u00e9 de nouvelles initiatives de d\u00e9penses majeures de 30 G$ au cours des cinq prochaines ann\u00e9es, le budget annonc\u00e9 ne permet pas de r\u00e9soudre les probl\u00e8mes structurels \u00e0 long terme qui p\u00e8sent sur la croissance de l\u2019\u00e9conomie du Canada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Parmi les nouvelles initiatives de d\u00e9penses figurent :<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Dans les dix prochaines ann\u00e9es, 198,3 G$ seront consacr\u00e9s au renforcement du syst\u00e8me de sant\u00e9 publique, en grande partie par des transferts aux provinces, conform\u00e9ment \u00e0 ce qui a \u00e9t\u00e9 annonc\u00e9 le mois dernier. Ce montant comprend 13 G$ de financement pour le R\u00e9gime canadien de soins dentaires, qui cible les Canadiens non assur\u00e9s et ceux \u00e0 faible ou moyen revenu.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>D\u2019autres d\u00e9penses seront destin\u00e9es \u00e0 des projets et infrastructures d\u2019\u00e9nergie propre. Il s\u2019agit en partie d\u2019une r\u00e9ponse \u00e0 de nouvelles initiatives similaires annonc\u00e9es par les \u00c9tats-Unis, afin de s\u2019assurer que les soci\u00e9t\u00e9s canadiennes du secteur seront en mesure d\u2019\u00eatre comp\u00e9titives. Les mesures comprennent des cr\u00e9dits d\u2019imp\u00f4t pouvant aller jusqu\u2019\u00e0 50 % de la valeur des d\u00e9penses, pour un total d\u2019environ 20,9 G$ au cours des cinq prochaines ann\u00e9es. D\u2019autres initiatives \u00e9cologiques incluent des investissements cibl\u00e9s par l\u2019interm\u00e9diaire de la Banque de l\u2019infrastructure du Canada et un appui suppl\u00e9mentaire aux initiatives de captage et de stockage du carbone. La taxe canadienne sur le carbone augmentera \u00e0 nouveau le 1er avril de 15 $ par tonne de carbone, dans le cadre d\u2019un processus annuel pr\u00e9vu jusqu\u2019en 2030.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Un nouveau remboursement de 2,5 G$ pour les articles d\u2019\u00e9picerie sera accord\u00e9 aux Canadiens \u00e0 faible revenu, dans le but de fournir des fonds cibl\u00e9s pour att\u00e9nuer les r\u00e9percussions de l\u2019inflation sur les produits de base.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>\u00c0 l\u2019inverse, le secteur de l\u2019arm\u00e9e a re\u00e7u relativement peu de nouveaux fonds, malgr\u00e9 l\u2019intensification de la guerre en Ukraine et les tensions avec la Chine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">R\u00e9duction des d\u00e9penses et production du revenu :<\/h3>\n\n\n\n<p>Pour compenser certaines de ces d\u00e9penses pr\u00e9vues, le budget a pr\u00e9sent\u00e9 des plans visant \u00e0 r\u00e9duire les d\u00e9penses de conseil, de voyage et d\u2019autres services, ce qui permettra d\u2019\u00e9conomiser 7,1 G$ dans les cinq prochaines ann\u00e9es. Il propose \u00e9galement une r\u00e9duction de 8,3 G$ des budgets admissibles des minist\u00e8res et des soci\u00e9t\u00e9s d\u2019\u00c9tat. En outre, un financement de 6,4 G$ pr\u00e9c\u00e9demment annonc\u00e9 et non attribu\u00e9 sera \u00e9limin\u00e9 ou retard\u00e9.<\/p>\n\n\n\n<p>Le budget a \u00e9galement introduit plusieurs nouvelles sources de revenus pour aider \u00e0 compenser quelques mesures de d\u00e9penses additionnelles.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Des modifications seront apport\u00e9es \u00e0 l\u2019imp\u00f4t minimum de remplacement pour les Canadiens ayant un revenu sup\u00e9rieur, et un plancher sera fix\u00e9 pour faire passer cet imp\u00f4t de 15 % \u00e0 20,5 %. Cette mesure a pour effet de limiter la marge de r\u00e9duction du taux d\u2019imposition par l\u2019utilisation dynamique des d\u00e9ductions. L\u2019exemption de base de l\u2019imp\u00f4t minimum de remplacement passe de 40 000 $ \u00e0 173 000 $. Ainsi, seuls les Canadiens \u00e0 revenu \u00e9lev\u00e9 seront p\u00e9nalis\u00e9s. Ce changement devrait g\u00e9n\u00e9rer 3 G$ de revenus suppl\u00e9mentaires durant les cinq prochaines ann\u00e9es.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>La taxe de 2 % sur les rachats d\u2019actions, pr\u00e9vue pr\u00e9c\u00e9demment, sera d\u00e9sormais mise en \u0153uvre et s\u2019appliquera \u00e0 toutes les entreprises dont la valeur des rachats d\u00e9passe 1 million $ par an. Cette mesure devrait apporter 2,5 G$ de revenus dans les cinq prochaines ann\u00e9es.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>De plus, les dividendes vers\u00e9s aux institutions financi\u00e8res (mais non \u00e9mis par elles) seront d\u00e9sormais impos\u00e9s en tant que revenu ordinaire, ce qui devrait augmenter les revenus du gouvernement f\u00e9d\u00e9ral de 3,15 G$ sur cinq ans.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Autres mesures notables :<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Une proposition d\u2019augmentation de la limite de retrait du REEE de 5 000 $ \u00e0 8 000 $ pour les \u00e9tudiants \u00e0 temps plein pendant les 13 premi\u00e8res semaines suivant leur inscription, et de 2 500 $ \u00e0 4 000 $ pour les \u00e9tudiants \u00e0 temps partiel.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Une production automatis\u00e9e des d\u00e9clarations de revenus pour les Canadiens \u00e0 faible revenu, afin de leur donner automatiquement droit aux services et programmes du gouvernement.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">R\u00e9percussions \u00e9conomiques et consid\u00e9rations<\/h4>\n\n\n\n<p>Les nouvelles d\u00e9penses propos\u00e9es co\u00fbteront 30 milliards de dollars de plus sur cinq ans, ce qui repr\u00e9sente un pourcentage important de 1,5 % du PIB. La taille du gouvernement a sensiblement augment\u00e9 par rapport \u00e0 la p\u00e9riode ant\u00e9rieure \u00e0 la pand\u00e9mie. Parall\u00e8lement, les co\u00fbts du service de la dette devraient grimper \u00e0 l\u2019avenir, et les revenus devraient cro\u00eetre moins rapidement \u00e9tant donn\u00e9 les pr\u00e9visions d\u2019une croissance \u00e9conomique plus modeste.<\/p>\n\n\n\n<p>Par ailleurs, dans le document budg\u00e9taire, on a supprim\u00e9 le fonds de pr\u00e9voyance de 8,5 G$. Autrement dit, il n\u2019y a plus de protection importante contre les baisses inattendues des chiffres.<\/p>\n\n\n\n<p>La dette f\u00e9d\u00e9rale devrait augmenter au cours de la prochaine ann\u00e9e pour s\u2019\u00e9tablir \u00e0 43,5 % du PIB, puis redescendre \u00e0 39,9 % du PIB d\u2019ici 2027-2028. Il s\u2019agit d\u2019un recul plus lent que pr\u00e9vu initialement.<\/p>\n\n\n\n<p>Malgr\u00e9 le statut minoritaire du gouvernement lib\u00e9ral, ce budget devrait \u00eatre facilement adopt\u00e9, compte tenu de l\u2019entente de confiance du parti avec le NPD.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible mar-b-hlf\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse6cf06037\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse6cf06037\" data-dig-id=\"LP-6990-6cf06037\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"D\u00e9nis de responsabilit\u00e9\"><span>D\u00e9nis de responsabilit\u00e9<\/span><span>D\u00e9nis de responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse6cf06037\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Ce article n\u2019est qu\u2019une source d\u2019information g\u00e9n\u00e9rale et ne vise pas \u00e0 dispenser des conseils particuliers sur les placements, les imp\u00f4ts ou les questions d\u2019ordre juridique ou financier. Nous n\u2019avons m\u00e9nag\u00e9 aucun effort pour en assurer l\u2019exactitude au moment de sa publication, mais nous ne pouvons en garantir l\u2019exactitude ou l\u2019exhaustivit\u00e9. Les taux d\u2019int\u00e9r\u00eat, l\u2019\u00e9volution du march\u00e9, les d\u00e9cisions en mati\u00e8re d\u2019imp\u00f4t et divers autres facteurs touchant les placements sont susceptibles de changer rapidement. Nous vous prions de consulter votre conseiller fiscal ou juridique ou votre comptable avant de prendre toute mesure fond\u00e9e sur le contenu de ce article.<\/p>\n<\/div>\n<\/div><\/div>\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=Budget\u00a02023\u00a0: Principaux points \u00e0 retenir pour les investisseurs &#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\/budget-2023-principaux-points-a-retenir-pour-les-investisseurs\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-86f0a559-d10f-468a-99c5-3a85ac1c40cb\" 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\/etablissement-dun-budget\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9tablissement d\u2019un budget<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/reee\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">REEE<\/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 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