{"id":6991,"date":"2023-03-31T00:00:00","date_gmt":"2023-03-31T00:00:00","guid":{"rendered":""},"modified":"2024-03-01T19:08:54","modified_gmt":"2024-03-01T19:08:54","slug":"deux-scenarios-pour-vous-aider-a-determiner-si-le-celiapp-vous-convient","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/epargne-futee\/deux-scenarios-pour-vous-aider-a-determiner-si-le-celiapp-vous-convient\/","title":{"rendered":"Deux sc\u00e9narios pour vous aider \u00e0 d\u00e9terminer si le CELIAPP vous convient"},"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\">Deux sc\u00e9narios pour vous aider \u00e0 d\u00e9terminer si le CELIAPP vous convient<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Moiz Divan, CFA, Conseiller en placements \u00e0 RBC Investi-Clic<\/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-2023-03-30T153744.752.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Cl\u00e9s de maison avec loupe\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T153744.752.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T153744.752.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-30T153744.752.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=Deux sc\u00e9narios pour vous aider \u00e0 d\u00e9terminer si le CELIAPP vous convient &#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\/deux-scenarios-pour-vous-aider-a-determiner-si-le-celiapp-vous-convient\/\">\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\/deux-scenarios-pour-vous-aider-a-determiner-si-le-celiapp-vous-convient\/\">\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 31 mars 2023 \u2022 7 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>Une version de cet article a initialement \u00e9t\u00e9 publi\u00e9e dans <a href=\"https:\/\/www.rbcinvestease.com\/topics-trends\/saving-for-your-first-home.html\">Perspectives Investi-Clic<\/a>.<\/em><\/p>\n\n\n\n<p>Pour la premi\u00e8re fois depuis des ann\u00e9es, le gouvernement canadien a lanc\u00e9 un nouveau r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9. Le <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celiapp.html\">compte d\u2019\u00e9pargne pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/a> (CELIAPP), destin\u00e9 aux acheteurs potentiels d\u2019une premi\u00e8re maison, constitue un nouvel outil fiscalement avantageux mis \u00e0 la disposition des Canadiens pour \u00e9pargner et investir.<\/p>\n\n\n\n<p>Commen\u00e7ons par un aper\u00e7u. Le CELIAPP vous permet d\u2019\u00e9conomiser jusqu\u2019\u00e0 8\u2009000&nbsp;$ par ann\u00e9e (jusqu\u2019\u00e0 un plafond cumulatif de 40\u2009000&nbsp;$), et offre les m\u00eames avantages fiscaux que le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) et le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER). De m\u00eame que pour le CELI, aucun imp\u00f4t n\u2019est redevable au titre de la croissance des placements dans un CELIAPP (dividendes, int\u00e9r\u00eats, etc.), et les retraits sont en franchise d\u2019imp\u00f4t (\u00e0 condition que les fonds soient utilis\u00e9s pour l\u2019achat d\u2019une maison admissible). De m\u00eame que pour le REER, les cotisations du CELIAPP peuvent \u00eatre d\u00e9duites de votre revenu imposable, ce qui vous aide \u00e0 r\u00e9duire votre imp\u00f4t \u00e0 payer.<\/p>\n\n\n\n<p>Lorsque vient le temps d\u2019acheter une maison, vous pouvez combiner les retraits d\u2019un CELIAPP et ceux d\u2019un REER (conform\u00e9ment aux r\u00e8gles actuelles du R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9) pour effectuer votre achat. Si vous ne trouvez pas de maison admissible \u00e0 vos r\u00e9gimes, alors vous avez la possibilit\u00e9 de retirer les fonds (imposables en tant que revenus) ou les transf\u00e9rer dans un REER ou un fonds enregistr\u00e9 de revenu de retraite (FERR) (sans p\u00e9nalit\u00e9).<\/p>\n\n\n\n<p>Chaque situation personnelle est unique. Afin de mieux comprendre comment un CELIAPP peut \u00eatre utilis\u00e9, examinons quelques sc\u00e9narios.<\/p>\n\n\n\n<div class=\"wp-block-media-text pad-t mob-pad-t pad-b-hlf mob-pad-b-hlf pad-l-hlf mob-pad-l-hlf pad-r-hlf mob-pad-r-hlf has-rbc-bright-blue-tint-4-background-color has-background\" style=\"margin-top:var(--wp--preset--spacing--60);margin-right:0;margin-bottom:var(--wp--preset--spacing--60);margin-left:0;grid-template-columns:15% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/icon-learn-more.svg?w=1024\" alt=\"\" class=\"wp-image-20413 size-full\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\" id=\"h-trouvez-le-bon-service-de-placement-pour-vous-des-aujourd-hui\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">Trouvez le bon service de placement pour vous d\u00e8s aujourd\u2019hui.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n\n\n\n<p><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">Collaborer avec un conseiller, rester \u00e0 l\u2019\u00e9cart ou prendre les choses en main.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n\n\n\n<p><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><a class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" href=\"https:\/\/www.rbcroyalbank.com\/en\/investments\/celiapp.html\" data-dig-id=\"LP-6991-7f303f9c\" data-dig-label=\"Learn more\" data-dig-action=\"link click\" data-dig-category=\"LP\">Explorer<\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Sc\u00e9nario&nbsp;1&nbsp;: Je viens de commencer \u00e0 investir et je ne suis pas certain d\u2019acheter une maison un jour.<\/h3>\n\n\n\n<p>Nous vous pr\u00e9sentons Shelly*. Shelly est une jeune dipl\u00f4m\u00e9e qui vient de d\u00e9crocher son premier emploi \u00e0 temps plein et gagne 60\u2009000&nbsp;$ par ann\u00e9e. Elle loue un appartement avec deux de ses amis, et bien qu\u2019elle s\u2019inqui\u00e8te des prix \u00e9lev\u00e9s sur le march\u00e9 du logement, elle souhaite poss\u00e9der sa propre maison dans le futur.<\/p>\n\n\n\n<p>Shelly est relativement d\u00e9butante en mati\u00e8re de placement, mais elle a d\u00e9j\u00e0 \u00e9tabli des cotisations pr\u00e9autoris\u00e9es au CELI pour \u00e9pargner en vue de quelques objectifs \u00e0 court terme (bient\u00f4t les vacances&nbsp;!).<\/p>\n\n\n\n<p>Apr\u00e8s s\u2019\u00eatre renseign\u00e9e sur le CELIAPP, Shelly a d\u00e9cid\u00e9 qu\u2019il \u00e9tait logique pour elle d\u2019ouvrir ce type de compte. Voici pourquoi. Comme Shelly se trouve en d\u00e9but de carri\u00e8re, elle suppose que son revenu annuel augmentera consid\u00e9rablement \u00e0 l\u2019avenir. Gr\u00e2ce au CELIAPP, elle pourra utiliser ses cotisations pour r\u00e9duire son revenu imposable dans les ann\u00e9es \u00e0 venir, lorsqu\u2019elle sera probablement dans une tranche d\u2019imposition plus \u00e9lev\u00e9e. Cela pourrait l\u2019aider \u00e0 r\u00e9aliser des \u00e9conomies d\u2019imp\u00f4t suppl\u00e9mentaires dans le futur.<\/p>\n\n\n\n<p>Disons que les plans de Shelly changent et qu\u2019elle d\u00e9cide finalement de ne pas acheter une maison. Elle peut conserver le compte pendant une p\u00e9riode allant jusqu\u2019\u00e0 15&nbsp;ans (soit la dur\u00e9e maximale de l\u2019investissement dans un CELIAPP), puis transf\u00e9rer les fonds \u00e0 son REER en franchise d\u2019imp\u00f4t. Dans ce cas, les placements de Shelly auront d\u00e9j\u00e0 augment\u00e9 \u00e0 l\u2019abri de l\u2019imp\u00f4t dans le CELIAPP et continueront de m\u00eame jusqu\u2019\u00e0 ce qu\u2019ils soient retir\u00e9s de son REER\/FERR. Les avantages du report d\u2019imp\u00f4t, surtout sur un horizon de placement de longue dur\u00e9e, peuvent \u00eatre incroyablement importants. Shelly pourra profiter de ces avantages gr\u00e2ce au CELIAPP, qu\u2019elle ach\u00e8te ou non une maison au bout du compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sc\u00e9nario&nbsp;2&nbsp;: Nous \u00e9pargnons ensemble depuis plusieurs ann\u00e9es et voulons acheter une maison au cours des prochaines ann\u00e9es.<\/h3>\n\n\n\n<p>Nous vous pr\u00e9sentons Roger et Jean*. Ils sont mari\u00e9s, gagnent un salaire combin\u00e9 de 180\u2009000&nbsp;$ et louent le m\u00eame appartement depuis cinq&nbsp;ans. Ils versent des cotisations mensuelles \u00e0 leurs REER respectifs, ainsi que des cotisations compl\u00e9mentaires chaque fois qu\u2019ils re\u00e7oivent leurs primes annuelles du travail. En \u00e9pargnant assid\u00fbment tout en maintenant le cap sur leur objectif ultime, ils ont r\u00e9ussi \u00e0 \u00e9conomiser 75\u2009000&nbsp;$ dans leurs REER.<\/p>\n\n\n\n<p>Apr\u00e8s plusieurs ann\u00e9es d\u2019\u00e9pargne et de d\u00e9penses locatives, le couple songe s\u00e9rieusement \u00e0 acheter sa premi\u00e8re maison. Maintenant que le CELIAPP est disponible, ils d\u00e9cident tous deux d\u2019en ouvrir un et de r\u00e9affecter une partie de leur \u00e9pargne. Voici pourquoi.<\/p>\n\n\n\n<p>Finalement, lorsque Roger et Jean trouveront la maison qu\u2019ils veulent acheter, ils pourront retirer le montant admissible de leurs REER en franchise d\u2019imp\u00f4t en vertu du R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP), ainsi que le montant total \u00e9conomis\u00e9 dans leur CELIAPP. Les fonds du CELIAPP n\u2019ont pas besoin d\u2019\u00eatre rembours\u00e9s, mais les fonds utilis\u00e9s au titre du RAP doivent \u00eatre rembours\u00e9s dans le REER dans un d\u00e9lai sp\u00e9cifique.&nbsp;<\/p>\n\n\n\n<p class=\"mar-b\">Pour d\u00e9montrer \u00e0 quel point le CELIAPP peut \u00eatre utile, supposons que Roger et Jean optimisent leurs cotisations au cours des cinq prochaines ann\u00e9es et gagnent chacun 7\u2009215&nbsp;$<sup>1<\/sup>&nbsp;dans le cadre de leurs CELIAPP respectifs. S\u2019ils ach\u00e8tent leur premi\u00e8re maison \u00e0 ce moment-l\u00e0, ils disposeront de 164\u2009430&nbsp;$ pour leur achat en combinant leurs retraits du RAP et leurs CELIAPP.<\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><caption class=\"offscreen\">CELIAPP<\/caption><thead><tr><th scope=\"col\">Types de cotisations<\/th><th scope=\"col\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><strong>Roger<\/strong><\/span><\/span><\/span><\/span><\/th><th scope=\"col\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><strong>Jean<\/strong><\/span><\/span><\/span><\/span><\/th><th scope=\"col\">Total<\/th><\/tr><\/thead><tbody><tr><td>Retrait du RAP<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">35,000<\/span><\/span><\/span><\/span> $<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">35,000<\/span><\/span> $<\/td><td><\/td><\/tr><tr><td>Cotisations au CELIAPP pendant 5 ans<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">40,000<\/span><\/span> $<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">40,000<\/span><\/span> $<\/td><td><\/td><\/tr><tr><td>Revenus au sein du CELIAPP<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">7,215<\/span><\/span> $<\/td><td><span style=\"vertical-align: inherit\"><span style=\"vertical-align: inherit\">7,215 $<\/span><\/span><\/td><td><\/td><\/tr><tr><td>Total<\/td><td>82,215 $<\/td><td>82,215 $<\/td><td><strong><span class=\"font-fix\">164,430 $<\/span><\/strong><\/td><\/tr><\/tbody><\/table>\n\n\n\n<p class=\"mar-t-hlf\">Pour en savoir plus sur ce nouveau type de compte enregistr\u00e9, notamment sur les conditions d\u2019admissibilit\u00e9, les cotisations et les transferts, vous pouvez aussi consulter&nbsp;<a href=\"https:\/\/discover.rbcroyalbank.com\/fhsa-9-questions-answered-about-the-new-first-home-savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">CELIAPP&nbsp;: R\u00e9ponses \u00e0 neuf&nbsp;questions sur le nouveau compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9.<\/a><\/p>\n\n\n\n<p><sup>1 <\/sup>Hypoth\u00e8ses&nbsp;: 8\u2009000&nbsp;$ investis au d\u00e9but de chaque ann\u00e9e \u00e0 un taux de rendement annuel pr\u00e9vu de 5,58&nbsp;%<\/p>\n\n\n\n<p>*&nbsp;\u00c0 des fins d\u2019illustration<\/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-6991-942faa40\" 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\n\n\n<p>Les services de planification financi\u00e8re et les conseils en placement sont offerts par Fonds d&rsquo;investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d&rsquo;actifs Inc., la Banque Royale du Canada, la Soci\u00e9t\u00e9 Trust Royal du Canada, et la Compagnie Trust Royal sont des entit\u00e9s juridiques distinctes et affili\u00e9es. FIRI est inscrit au Qu\u00e9bec en tant que cabinet de services financiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-74523a30-38e8-4175-9ef7-6548a7be6113\" aria-hidden=\"true\"><\/div>\n\t\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=Deux sc\u00e9narios pour vous aider \u00e0 d\u00e9terminer si le CELIAPP vous convient &#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\/deux-scenarios-pour-vous-aider-a-determiner-si-le-celiapp-vous-convient\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-deb09665-d542-4606-ba66-4f1553d657a1\" 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=\"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\" 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mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, 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Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-74523a30-38e8-4175-9ef7-6548a7be6113 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-74523a30-38e8-4175-9ef7-6548a7be6113 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-deb09665-d542-4606-ba66-4f1553d657a1 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-deb09665-d542-4606-ba66-4f1553d657a1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Le nouveau compte d\u0092\u00e9pargne pour l\u0092achat d\u0092une premi\u00e8re propri\u00e9t\u00e9 offre d\u0092importants avantages fiscaux \u00e0 conna\u00eetre.<\/p>\n","protected":false},"author":10,"featured_media":11111,"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-6991","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":"352240","custom_author":"Moiz Divan, CFA, Conseiller en placements \u00e0 RBC Investi-Clic","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 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