{"id":128,"date":"2023-01-18T14:56:23","date_gmt":"2023-01-18T19:56:23","guid":{"rendered":"https:\/\/www.paulmarcotte.ca\/?page_id=128"},"modified":"2025-10-17T10:40:35","modified_gmt":"2025-10-17T14:40:35","slug":"reer","status":"publish","type":"page","link":"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/reer\/","title":{"rendered":"RE\u00c9R"},"content":{"rendered":"<section class=\"content-container\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-8 order-last order-lg-first\">\n<div class=\"lc-block\">\n<div editable=\"rich\">\n<h2>Le RE\u00c9R<\/h2>\n<p>Le RE\u00c9R (r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite) vise \u00e0 encourager les particuliers \u00e0 \u00e9pargner en vue de la retraite. Pour encourager les contribuables, les gouvernements offrent 3 avantages de taille :<\/p>\n<ol>\n<li>Les cotisations sont 100% d\u00e9ductibles de votre revenu imposable.<\/li>\n<li>L\u2019imp\u00f4t sur les gains accumul\u00e9s dans le r\u00e9gime est diff\u00e9r\u00e9 jusqu\u2019au moment des retraits du RE\u00c9R.<\/li>\n<li>Vous d\u00e9cidez du moment des retraits.<\/li>\n<\/ol>\n<p>Caract\u00e9ristiques du RE\u00c9R :<\/p>\n<ul>\n<li>Cotisation maximale \u00e0 un RE\u00c9R : v\u00e9rifier votre avis de cotisation de revenu Canada.<\/li>\n<li>\u00c9ch\u00e9ance du RE\u00c9R \u00e0 71 ans : vous devez convertir vos RE\u00c9R avant le 31 d\u00e9cembre de votre 71e anniversaire.<\/li>\n<li>Au d\u00e9c\u00e8s, certains roulements (non imposables) sont possibles.<\/li>\n<li>Une large gamme de produits de placements est disponible.<\/li>\n<li>Vous pouvez cotiser \u00e0 un RE\u00c9R de conjoint et obtenir la d\u00e9duction.<\/li>\n<li>Les cotisations inutilis\u00e9es sont report\u00e9es aux ann\u00e9es suivantes.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"lc-block\">\n<div class=\"live-shortcode\" lc-helper=\"shortcode\"><a class=\"contact btn\" href=\"https:\/\/www.paulmarcotte.ca\/fr\/nous-joindre\/\" aria-label=\"Pr&eacute;parez votre retraite efficacement\">Pr\u00e9parez votre retraite efficacement<\/a><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"col-lg-4 order-first order-lg-last\">\n<div class=\"lc-block\">\n<div lc-helper=\"shortcode\" class=\"live-shortcode\"><div class=\"right-sidebar\"><ul><li class=\" page_item_has_children\"><a href=\"#\" class=\"page-items-title\">Placement<\/a><ul><li class=\"page_item page-item-126\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/celi\/\">C\u00c9LI<\/a><\/li>\n<li class=\"page_item page-item-124\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/reei\/\">RE\u00c9I<\/a><\/li>\n<li class=\"page_item page-item-122\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/reee\/\">RE\u00c9\u00c9<\/a><\/li>\n<li class=\"page_item page-item-120\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/compte-epargne-interets-eleves\/\">Compte d\u2019\u00e9pargne \u00e0 int\u00e9r\u00eats \u00e9lev\u00e9s<\/a><\/li>\n<li class=\"page_item page-item-118\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/obligations-epargne\/\">Obligations d\u2019\u00e9pargne<\/a><\/li>\n<li class=\"page_item page-item-116\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/obligations\/\">Obligations<\/a><\/li>\n<li class=\"page_item page-item-114\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/depot-terme\/\">D\u00e9p\u00f4t \u00e0 terme<\/a><\/li>\n<li class=\"page_item page-item-112\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/fonds-distincts\/\">Fonds distincts<\/a><\/li>\n<li class=\"page_item page-item-110\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/placement\/fonds-mutuels\/\">Fonds mutuels<\/a><\/li>\n<\/ul><\/li><li class=\"current_page_ancestor page_item_has_children\"><a href=\"#\" class=\"page-items-title\">Retraite<\/a><ul><li class=\"page_item page-item-128\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/reer\/\">RE\u00c9R<\/a><\/li>\n<li class=\"page_item page-item-130\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/ferr\/\">FERR<\/a><\/li>\n<li class=\"page_item page-item-132\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/cri\/\">CRI<\/a><\/li>\n<li class=\"page_item page-item-134\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/frv\/\">FRV<\/a><\/li>\n<li class=\"page_item page-item-136\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/rentes-de-retraite\/\">Rentes de retraite<\/a><\/li>\n<li class=\"page_item page-item-138\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/reer-collectif\/\">RE\u00c9R collectif<\/a><\/li>\n<li class=\"page_item page-item-140\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/rver\/\">RVER<\/a><\/li>\n<li class=\"page_item page-item-142\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/retraite\/rri\/\">RRI<\/a><\/li>\n<\/ul><\/li><li class=\" page_item_has_children\"><a href=\"#\" class=\"page-items-title\">Assurances<\/a><ul><li class=\"page_item page-item-108\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-commerciale-convention-achat-vente\/\">Assurance commerciale (convention d&rsquo;achat &#8211; vente)<\/a><\/li>\n<li class=\"page_item page-item-106\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-hypothecaire\/\">Assurance hypoth\u00e9caire<\/a><\/li>\n<li class=\"page_item page-item-104\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-soins-longue-duree\/\">Assurance soins de longue dur\u00e9e<\/a><\/li>\n<li class=\"page_item page-item-102\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-maladies-graves\/\">Assurance contre les maladies graves<\/a><\/li>\n<li class=\"page_item page-item-100\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-salaire-invalidite\/\">Assurance salaire (invalidit\u00e9)<\/a><\/li>\n<li class=\"page_item page-item-98\"><a href=\"https:\/\/www.paulmarcotte.ca\/fr\/assurances\/assurance-vie\/\">Assurance-vie<\/a><\/li>\n<\/ul><\/li><\/ul><\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Le RE\u00c9R Le RE\u00c9R (r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite) vise \u00e0 encourager les particuliers \u00e0 \u00e9pargner en vue de la retraite. Pour encourager les contribuables, les gouvernements offrent 3 avantages de taille : Les cotisations sont 100% d\u00e9ductibles de votre revenu imposable. L\u2019imp\u00f4t sur les gains accumul\u00e9s dans le r\u00e9gime est diff\u00e9r\u00e9 jusqu\u2019au moment des retraits [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":13,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-128","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/pages\/128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/comments?post=128"}],"version-history":[{"count":5,"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/pages\/128\/revisions"}],"predecessor-version":[{"id":1007,"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/pages\/128\/revisions\/1007"}],"up":[{"embeddable":true,"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/pages\/13"}],"wp:attachment":[{"href":"https:\/\/www.paulmarcotte.ca\/fr\/wp-json\/wp\/v2\/media?parent=128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}