{"id":20577,"date":"2025-10-23T12:22:29","date_gmt":"2025-10-23T16:22:29","guid":{"rendered":"https:\/\/mediawall.news\/strategie-rrsp-vs-tfsa-retraites-61-ans\/"},"modified":"2025-10-23T12:22:37","modified_gmt":"2025-10-23T16:22:37","slug":"strategie-rrsp-vs-tfsa-retraites-61-ans","status":"publish","type":"post","link":"https:\/\/www.mediawall.news\/fr\/strategie-rrsp-vs-tfsa-retraites-61-ans\/","title":{"rendered":"Strat\u00e9gie RRSP vs. TFSA pour les retrait\u00e9s de 61 ans : Passer des obligations aux actions ?"},"content":{"rendered":"<article>\n<h2>REER ou C\u00c9LI? D\u00e9cryptage des strat\u00e9gies pour les retrait\u00e9s<\/h2>\n<h3>Par Julian Singh<\/h3>\n<p>Au carrefour de la planification de la retraite, de nombreux Canadiens se retrouvent face \u00e0 un dilemme financier: comment optimiser leur portefeuille entre REER (R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite) et C\u00c9LI (Compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t) lorsque la soixantaine approche?<\/p>\n<h3>La r\u00e9alit\u00e9 des sexag\u00e9naires<\/h3>\n<p>Pour un Canadien de 61 ans, l&rsquo;horizon de placement a consid\u00e9rablement chang\u00e9. L&rsquo;\u00e9poque o\u00f9 l&rsquo;on recommandait syst\u00e9matiquement de transf\u00e9rer ses investissements des actions vers les obligations \u00e0 l&rsquo;approche de la retraite est d\u00e9sormais nuanc\u00e9e par plusieurs facteurs contemporains:<\/p>\n<ul>\n<li>L&rsquo;allongement de l&rsquo;esp\u00e9rance de vie, qui peut n\u00e9cessiter un portefeuille plus dynamique<\/li>\n<li>Le contexte persistant de faibles taux d&rsquo;int\u00e9r\u00eat<\/li>\n<li>L&rsquo;inflation qui \u00e9rode progressivement le pouvoir d&rsquo;achat<\/li>\n<\/ul>\n<h3>Particularit\u00e9s fiscales qu\u00e9b\u00e9coises<\/h3>\n<p>Au Qu\u00e9bec, la situation pr\u00e9sente des sp\u00e9cificit\u00e9s importantes. Le traitement fiscal des retraits de REER est particuli\u00e8rement impactant dans notre province, o\u00f9 le taux d&rsquo;imposition marginal peut atteindre des sommets. En revanche, les retraits de C\u00c9LI demeurent enti\u00e8rement libres d&rsquo;imp\u00f4t, un avantage non n\u00e9gligeable pour ajuster ses revenus face au seuil de r\u00e9cup\u00e9ration de la S\u00e9curit\u00e9 de la vieillesse.<\/p>\n<h3>L&rsquo;\u00e9quation complexe de l&rsquo;allocation d&rsquo;actifs<\/h3>\n<p>La question d&rsquo;\u00e9quilibrer obligations et actions \u00e0 61 ans d\u00e9pend de multiples variables:<\/p>\n<p><b>Pour le REER:<\/b><\/p>\n<ul>\n<li>Les retraits seront imposables, favorisant potentiellement les placements \u00e0 rendement diff\u00e9r\u00e9<\/li>\n<li>L&rsquo;horizon temporel jusqu&rsquo;\u00e0 la conversion obligatoire en FERR (\u00e0 71 ans)<\/li>\n<li>Les implications sur d&rsquo;autres prestations gouvernementales<\/li>\n<\/ul>\n<p><b>Pour le C\u00c9LI:<\/b><\/p>\n<ul>\n<li>La flexibilit\u00e9 totale des retraits<\/li>\n<li>L&rsquo;absence d&rsquo;impact sur les prestations bas\u00e9es sur le revenu<\/li>\n<li>La possibilit\u00e9 d&rsquo;adopter une strat\u00e9gie plus agressive sans cons\u00e9quences fiscales imm\u00e9diates<\/li>\n<\/ul>\n<h3>Tendances actuelles chez les planificateurs financiers<\/h3>\n<p>Les experts financiers montr\u00e9alais observent une \u00e9volution des pratiques. \u00ab\u00a0La r\u00e8gle traditionnelle de son \u00e2ge en pourcentage d&rsquo;obligations n&rsquo;est plus un dogme\u00a0\u00bb, explique Marie Tremblay, planificatrice financi\u00e8re \u00e0 Qu\u00e9bec. \u00ab\u00a0Nous analysons plut\u00f4t les besoins r\u00e9els de liquidit\u00e9 \u00e0 court terme et la tol\u00e9rance individuelle aux fluctuations de march\u00e9.\u00a0\u00bb<\/p>\n<h3>Diversification g\u00e9ographique \u00e0 consid\u00e9rer<\/h3>\n<p>Pour les retrait\u00e9s qu\u00e9b\u00e9cois, la diversification internationale prend \u00e9galement une dimension strat\u00e9gique. Les placements am\u00e9ricains ou europ\u00e9ens peuvent offrir une exposition diff\u00e9rente, particuli\u00e8rement int\u00e9ressante dans un contexte de fluctuations du <a href=\"https:\/\/www.banqueducanada.ca\/taux\/taux-de-change\/\" rel=\"nofollow noopener\" target=\"_blank\">dollar canadien<\/a>.<\/p>\n<p>L&rsquo;\u00e9quation REER-C\u00c9LI demeure donc hautement personnalis\u00e9e, n\u00e9cessitant une analyse approfondie de chaque situation particuli\u00e8re, des objectifs de vie et du patrimoine global du retrait\u00e9.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>REER ou C\u00c9LI? D\u00e9cryptage des strat\u00e9gies pour les retrait\u00e9s Par Julian Singh Au carrefour de la planification de la retraite, de nombreux Canadiens se retrouvent face \u00e0 un dilemme financier: comment optimiser leur portefeuille entre REER (R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite) et C\u00c9LI (Compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t) lorsque la soixantaine approche? La r\u00e9alit\u00e9 des sexag\u00e9naires Pour un [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":20575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[136],"tags":[17004,17006,17000,17002],"ppma_author":[186],"class_list":{"0":"post-20577","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economics-fr","8":"tag-allocation-dactifs","9":"tag-finance-seniors","10":"tag-reer-vs-celi","11":"tag-strategies-fiscales-quebec"},"_form":null,"_mail":null,"_mail_2":null,"_messages":null,"_additional_settings":null,"_locale":null,"_hash":null,"_wp_attached_file":null,"_wp_attachment_metadata":null,"_elementor_page_settings":null,"_menu_item_type":null,"_menu_item_menu_item_parent":null,"_menu_item_object_id":null,"_menu_item_object":null,"_menu_item_target":null,"_menu_item_classes":null,"_menu_item_xfn":null,"_menu_item_url":null,"_thumbnail_id":"20575","_wp_old_slug":null,"_oembed_aabfd980ef699725dc5d6ea0f5c5f063":null,"_oembed_time_aabfd980ef699725dc5d6ea0f5c5f063":null,"foxiz_menu_meta":null,"foxiz_user_rating":null,"_wp_attachment_image_alt":null,"ruby_tagline":null,"ruby_live_blog":null,"rank_math_primary_category":null,"_wp_attachment_context":null,"wpml_media_processed":null,"ppmacf_slug":null,"ppmacf_type":null,"ppmacf_field_status":null,"ppmacf_requirement":null,"ppmacf_social_profile":null,"ppmacf_schema_property":null,"ppmacf_rel":null,"ppmacf_target":null,"ppmacf_description":null,"ppmacf_inbuilt":null,"ppma_boxes_layout_meta_value":null,"ppma_disable_author_box":null,"_mc4wp_settings":null,"text_subscribed":null,"text_invalid_email":null,"text_required_field_missing":null,"text_already_subscribed":null,"text_error":null,"text_unsubscribed":null,"text_not_subscribed":null,"text_no_lists_selected":null,"text_updated":null,"text_spam":null,"_pingme":"1","_encloseme":"1","_wp_trash_meta_comments_status":null,"_elementor_page_assets":null,"_elementor_element_cache":null,"_wp_page_template":null,"_elementor_edit_mode":null,"_elementor_template_type":null,"foxiz_content_total_word":null,"_elementor_version":null,"_elementor_data":null,"ppma_authors_name":"Julian Singh","rb_global_meta":null,"_elementor_controls_usage":null,"_wp_old_date":null,"ao_post_optimize":null,"rank_math_analytic_object_id":null,"rank_math_og_content_image":null,"_edit_lock":null,"rank_math_seo_score":null,"rank_math_internal_links_processed":null,"_edit_last":null,"_wpml_word_count":"512","_wpml_location_migration_done":"1","rank_math_focus_keyword":"Strat\u00e9gie RRSP vs. TFSA pour les retrait\u00e9s","rank_math_title":null,"rank_math_description":"Strat\u00e9gie RRSP vs. TFSA: \u00c0 61 ans, optimisez votre portefeuille entre actions et obligations en tenant compte des d\u00e9fis fiscaux et du faible taux d'int\u00e9r\u00eat.","_wpml_media_duplicate":null,"_wpml_media_featured":null,"_top_nav_excluded":null,"_cms_nav_minihome":null,"_last_translation_edit_mode":"native-editor","_elementor_template_widget_type":null,"_elementor_popup_display_settings":null,"_wp_trash_meta_status":null,"_wp_trash_meta_time":null,"_wp_desired_post_slug":null,"_elementor_css":null,"authors":[{"term_id":186,"user_id":7,"is_guest":0,"slug":"julian-singh","display_name":"Julian Singh","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/1d4c4e0f090aa7c8e43cddfa7162b752?s=96&d=mm&r=g","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/posts\/20577","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/comments?post=20577"}],"version-history":[{"count":1,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/posts\/20577\/revisions"}],"predecessor-version":[{"id":20578,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/posts\/20577\/revisions\/20578"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/media\/20575"}],"wp:attachment":[{"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/media?parent=20577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/categories?post=20577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/tags?post=20577"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.mediawall.news\/fr\/wp-json\/wp\/v2\/ppma_author?post=20577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}