{"id":1671,"date":"2022-07-26T18:30:15","date_gmt":"2022-07-26T22:30:15","guid":{"rendered":"https:\/\/www.cbbenefits.ca\/\/?page_id=1671"},"modified":"2025-03-31T14:52:17","modified_gmt":"2025-03-31T18:52:17","slug":"fonctionnement-du-compte-de-retraite-libre-dimpot","status":"publish","type":"page","link":"https:\/\/bcavantages.ca\/fr\/retraite-et-epargne\/apercu\/fonctionnement-du-compte-de-retraite-libre-dimpot\/","title":{"rendered":"Fonctionnement du Compte de retraite libre d\u2019imp\u00f4t"},"content":{"rendered":"  <div id=\"page-hero-block_680d2983ae1d946e6113452aa6f69f0f\" class=\"page-hero\">\r\n    <div class=\"page-hero__container blue\" >\r\n      <div class=\"page-hero__image\">\r\n        <div class=\"page-hero__image__circle\">\r\n          <div class=\"page-hero__image__circle__bottom moreleft\" style=\"background-image:url('\/wp-content\/uploads\/2022\/08\/Retirement-How-the-Tax-Free-Savings-Account-TFSA-works-scaled-1-1920x1012.jpg')\"><\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"page-hero__wrapper\">\r\n        <div class=\"page-hero__breadcrumb\">\r\n          <h1>\r\n                          <a href=\"\/fr\/retraite-et-epargne\/\"><span class=\"page-hero__breadcrumb__parent\">Retraite et \u00e9pargne<\/span><\/a> <span class=\"page-hero__breadcrumb__separator\">|<\/span>\r\n                        <span class=\"page-hero__breadcrumb__current\">\r\n                              <a href=\"\/fr\/retraite-et-epargne\/apercu\/\">Aper\u00e7u<\/a>\r\n                          <\/span>\r\n          <\/h1>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\n\n   <div id=\"anchor-link-block_2ce0497e4d4687756efcf8d174e3ff6f\" class=\"anchor-link\">\r\n      <a name=\"how-the-tfsa-works\" class=\"anchor\"><\/a>\r\n   <\/div>\r\n\n\n\n<h2 class=\"wp-block-heading\">Fonctionnement du Compte de retraite libre d\u2019imp\u00f4t (CELI)<\/h2>\n\n\n\n<p>En tant que participant au r\u00e9gime BC Avantages, vous avez aussi acc\u00e8s \u00e0 un CELI, qui vous offre une autre fa\u00e7on d\u2019\u00e9pargner, que ce soit en vue de l\u2019avenir ou pour faire face \u00e0 des p\u00e9riodes difficiles.<\/p>\n\n\n\n<p>Chaque ann\u00e9e, vous pouvez cotiser jusqu\u2019\u00e0 7 000 $ (en 2025) \u00e0 votre CELI et b\u00e9n\u00e9ficier de son accumulation en franchise d\u2019imp\u00f4t. Vous pouvez aussi retirer des fonds en tout temps, sans payer d\u2019imp\u00f4t, et reporter chaque ann\u00e9e vos droits de cotisation inutilis\u00e9s. Et, contrairement aux REER, si vous retirez des fonds de votre CELI, vous r\u00e9cup\u00e9rez les droits de cotisation.<\/p>\n\n\n\n<p>Votre conjoint et vos personnes \u00e0 charge peuvent aussi \u00e9tablir un CELI dans le r\u00e9gime BC Avantages et b\u00e9n\u00e9ficier des frais peu \u00e9lev\u00e9s auxquels vous avez droit en tant que participant.<\/p>\n\n\n\n<p><strong>Options de placement dans le CELI <\/strong>\u2013 Selon votre objectif d\u2019\u00e9pargne, vous pouvez choisir un fonds \u00e0 date cible ou des fonds issus de diverses cat\u00e9gories d\u2019actif, dont les suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Actions canadiennes<\/li>\n\n\n\n<li>Actions mondiales<\/li>\n\n\n\n<li>Actions de croissance mondiales<\/li>\n\n\n\n<li>Titres \u00e0 revenu fixe<\/li>\n\n\n\n<li>March\u00e9 mon\u00e9taire<\/li>\n\n\n\n<li>Immobilier<\/li>\n<\/ul>\n\n\n\n<p>Vous pouvez \u00e9tablir un CELI par l\u2019interm\u00e9diaire de <a href=\"https:\/\/my.canadalife.com\/acceder\" target=\"_blank\" rel=\"noreferrer noopener\">Ma Canada Vie au travail<\/a>. Pour plus de renseignements, consultez les ressources relatives au CELI.<\/p>\n\n\n  <div id=\"related-resources-block_b2390d0a3da05175ca0eb40be3045e39\" class=\"related-resources\">\r\n    <div class=\"related-resources__container blue\">\r\n      <div class=\"related-resources__heading nohovertrans\">\r\n        <span class=\"related-resources__heading__icon\">\r\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/07\/retirement-white-300x300.png\" alt=\"\">\r\n        <\/span>\r\n        <div class=\"related-resources__heading__text\">\r\n          Ressources connexes\r\n          <span class=\"related-resources__heading__expander\">\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"expand\" aria-hidden=\"true\">+<\/span>\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"collapse\" aria-hidden=\"true\">\u2013<\/span>\r\n          <\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"related-resources__groups\">\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Ressources            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/my.canadalife.com\/acceder\"  target=\"_blank\"  >Ma Canada Vie au travail<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2022\/07\/CBBenefits_TargetDateFunds_brochure_FR.pdf\"  target=\"_blank\"  >Fonds \u00e0 date cible<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2022\/07\/CBBenefits-TFSA-FR.pdf\"  target=\"_blank\"  >Aper\u00e7u du CELI<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/cbbenefits.ca\/fr\/retraite-et-epargne\/demarrer\/#etablir-celi-reer\"  >\u00c9tablir un CELI<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Regardez la vid\u00e9o            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/go.fidelity.ca\/Target-Date-Strategies-How-they-work---Plan-Member-French.html\"  target=\"_blank\"  >Fonctionnement des fonds \u00e0 date cible (2&nbsp;m&nbsp;20&nbsp;s)<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Questions ou aide?            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"tel:1-833-900-3853\"  target=\"_blank\"  >Canada Vie sans frais 1-833-900-3853<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"mailto:info@cbbenefits.ca\"  target=\"_blank\"  >info@cbbenefits.ca<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n              <\/div>\r\n    <\/div>\r\n  <\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>Fonctionnement du Compte de retraite libre d\u2019imp\u00f4t (CELI) En tant que participant au r\u00e9gime BC Avantages, vous avez aussi acc\u00e8s \u00e0 un CELI, qui vous offre une autre fa\u00e7on d\u2019\u00e9pargner, que ce soit en vue de l\u2019avenir ou pour faire face \u00e0 des p\u00e9riodes difficiles. Chaque ann\u00e9e, vous pouvez cotiser jusqu\u2019\u00e0 7 000 $ (en [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1667,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"page-template\/page-with-related-resources.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1671","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/comments?post=1671"}],"version-history":[{"count":13,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1671\/revisions"}],"predecessor-version":[{"id":4657,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1671\/revisions\/4657"}],"up":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1667"}],"wp:attachment":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/media?parent=1671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}