{"id":1913,"date":"2025-07-17T12:26:55","date_gmt":"2025-07-17T16:26:55","guid":{"rendered":"https:\/\/wordpress.dockhost.synology.me\/?page_id=1913"},"modified":"2025-08-05T23:50:12","modified_gmt":"2025-08-06T03:50:12","slug":"home","status":"publish","type":"page","link":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/","title":{"rendered":"Accueil"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1913\" class=\"elementor elementor-1913\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8af5c91 e-flex e-con-boxed e-con e-parent\" data-id=\"8af5c91\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/wordpress.dockhost.synology.me\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/RESP_Intro.mp4&quot;,&quot;background_video_start&quot;:0,&quot;background_video_end&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-background-video-container elementor-hidden-mobile\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t<\/div><div class=\"elementor-element elementor-element-18d1522 e-con-full e-flex e-con e-child\" data-id=\"18d1522\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-028a6ac elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"028a6ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Investissez dans votre avenir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c893ef3 elementor-widget elementor-widget-heading\" data-id=\"c893ef3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Suivez vos r\u00eaves<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0d8af3 e-con-full e-flex e-con e-child\" data-id=\"e0d8af3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a179b0 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"4a179b0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#resp-benefits\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec6f91f elementor-widget__width-auto elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"ec6f91f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#resp-calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculateur<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-105e26a e-con-full e-flex e-con e-child\" data-id=\"105e26a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9fd1b9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e9fd1b9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-hang\" href=\"#resp-contents\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ef63d0 e-flex e-con-boxed e-con e-parent\" data-id=\"9ef63d0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c26090e e-con-full e-flex e-con e-child\" data-id=\"c26090e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0edb6f0 elementor-widget elementor-widget-menu-anchor\" data-id=\"0edb6f0\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"resp-contents\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d496f27 elementor-widget elementor-widget-heading\" data-id=\"d496f27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9gime enregistr\u00e9 d'\u00e9pargne-\u00e9tudes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04cfe02 elementor-widget elementor-widget-text-editor\" data-id=\"04cfe02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un r\u00e9gime enregistr\u00e9 d'\u00e9pargne-\u00e9tudes, ou REEE, est :<\/p><ul><li>un moyen pratique d'\u00e9pargner pour les futures \u00e9tudes postsecondaires d'un enfant, de soi-m\u00eame ou d'une autre personne ;<\/li><li>un r\u00e9gime d'\u00e9pargne-\u00e9tudes (REE) assorti d'une aide fiscale, enregistr\u00e9 aupr\u00e8s de l'Agence du revenu du Canada (ARC) pour encourager l'investissement dans l'enseignement postsecondaire ; et<\/li><li>un contrat entre le souscripteur et un promoteur (parfois appel\u00e9 fournisseur).<\/li><\/ul><p>Dans ce contrat, le souscripteur d\u00e9signe un ou plusieurs b\u00e9n\u00e9ficiaires (le(s) futur(s) \u00e9tudiant(s)) et s'engage \u00e0 verser des cotisations pour eux. Le promoteur s'engage \u00e0 verser des allocations d'aide aux \u00e9tudes (AEE) aux b\u00e9n\u00e9ficiaires du plan.<\/p><p>Les cotisations \u00e0 un REEE ne sont pas d\u00e9ductibles d'imp\u00f4t, mais l'investissement dans le plan fructifie en report d'imp\u00f4t jusqu'\u00e0 ce qu'il soit retir\u00e9 pour un programme d'\u00e9ducation post-secondaire. En outre, le gouvernement du Canada et certaines provinces offrent des subventions et des incitatifs pour favoriser l'investissement des b\u00e9n\u00e9ficiaires \u00e2g\u00e9s de moins de 18 ans.<\/p><p>Les cotisants ne b\u00e9n\u00e9ficient pas d'une d\u00e9duction fiscale pour les investissements dans un REEE. Il n'y a pas d'imp\u00f4t \u00e0 payer jusqu'\u00e0 ce que les fonds soient utilis\u00e9s pour payer les \u00e9tudes d'un enfant.  \u00c0 ce moment-l\u00e0, les cotisations vers\u00e9es au REEE sont rembours\u00e9es en franchise d'imp\u00f4t, mais les revenus des cotisants provenant du r\u00e9gime et des bourses sont impos\u00e9s.  Toutefois, \u00e9tant donn\u00e9 qu'un grand nombre d'\u00e9tudiants ont peu ou pas de revenus, ils peuvent retirer les paiements en franchise d'imp\u00f4t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edde271 e-flex e-con-boxed e-con e-parent\" data-id=\"edde271\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-718d3f8 elementor-widget elementor-widget-menu-anchor\" data-id=\"718d3f8\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"resp-benefits\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49b9b8d e-flex e-con-boxed e-con e-parent\" data-id=\"49b9b8d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6e4be3c elementor-hidden-mobile elementor-hidden-tablet e-con-full e-flex e-con e-child\" data-id=\"6e4be3c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0f6723 elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"b0f6723\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b5649e elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"2b5649e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-37ba015 e-con-full e-flex e-con e-child\" data-id=\"37ba015\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7289f4d elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"7289f4d\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-7289f4d\" data-scroll-on-click=\"\" data-scroll-speed=\"300\" data-accordion-id=\"7289f4d\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"guaranteed-annual-grants\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1201\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Subventions annuelles garanties<\/span><\/div><div id=\"elementor-tab-content-1201\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"guaranteed-annual-grants\"><style>.elementor-2386 .elementor-element.elementor-element-34e480d{--display:flex;}.elementor-2386 .elementor-element.elementor-element-4844eda{font-size:14px;}<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2386\" class=\"elementor elementor-2386\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34e480d e-flex e-con-boxed e-con e-parent\" data-id=\"34e480d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae49605 elementor-widget elementor-widget-text-editor\" data-id=\"ae49605\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDes subventions et des incitatifs gouvernementaux peuvent \u00eatre offerts pour faire fructifier l'\u00e9pargne d'un REEE. Le gouvernement f\u00e9d\u00e9ral offre deux programmes d'incitation : la Subvention canadienne pour l'\u00e9pargne-\u00e9tudes (SCEE) et le Bon d'\u00e9tudes canadien (BEC).  Certaines provinces ont \u00e9galement mis en place des programmes d'incitation.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>[1]<\/sup><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4844eda elementor-widget elementor-widget-text-editor\" data-id=\"4844eda\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"#_ftnref1\" name=\"_ftn1\"><sup>[1]<\/sup><\/a> Il est important de confirmer aupr\u00e8s du fournisseur de REEE les subventions disponibles pour son produit.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"tax-free-growth\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1202\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Croissance libre d'imp\u00f4t<\/span><\/div><div id=\"elementor-tab-content-1202\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"tax-free-growth\"><style>.elementor-2377 .elementor-element.elementor-element-049302d{--display:flex;}.elementor-2377 .elementor-element.elementor-element-654a017{font-size:14px;}<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2377\" class=\"elementor elementor-2377\">\n\t\t\t\t<div class=\"elementor-element elementor-element-049302d e-flex e-con-boxed e-con e-parent\" data-id=\"049302d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfb48b7 elementor-widget elementor-widget-text-editor\" data-id=\"dfb48b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les revenus des investissements dans le REEE sont \u00e0 l'abri de l'imp\u00f4t tant qu'ils restent dans le REEE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-654a017 elementor-widget elementor-widget-text-editor\" data-id=\"654a017\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"#wow-modal-id-3\">REEE ou \u00e9pargne non enregistr\u00e9e<\/a>\n\n<div class=\"modal-window\" id=\"modal-window-3\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"modal-title-3\"  aria-live=\"off\"><div class=\"modal-window__wrapper\"><div class=\"modal-window__content\"><div class=\"modal-window__content-wrapper\"><div class=\"modal-window__title\" id=\"modal-title-3\">REEE ou \u00e9pargne non enregistr\u00e9e<\/div><div class=\"modal-window__content-main\"><p>\u00a0<\/p>\r\n<div><em>A titre d'illustration uniquement<\/em><\/div>\r\n<ul>\r\n<li>\r\n<div>Cotisation de 200 $ par mois de l'\u00e2ge de 6 mois \u00e0 l'\u00e2ge de 14,5 ans<\/div>\r\n<\/li>\r\n<li>\r\n<div>Subventions f\u00e9d\u00e9rales et du Qu\u00e9bec<\/div>\r\n<\/li>\r\n<li>\r\n<div>5% de revenus d'int\u00e9r\u00eats<\/div>\r\n<\/li>\r\n<\/ul>\r\n<div><em>Pas d'imp\u00f4t<\/em><\/div>\r\n<div><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-195\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-1-fr.jpg\" alt=\"\" width=\"300\" height=\"177\" \/><\/div>\r\n<div>\u00a0<\/div>\r\n<div><em>53,31% taux d'imposition marginal<\/em><\/div>\r\n<div><img decoding=\"async\" class=\"alignnone size-medium wp-image-554\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-2-fr.jpg\" alt=\"\" width=\"300\" height=\"198\" \/>\u00a0<\/div><\/div><\/div><div class=\"modal-window__close\" tabindex=\"0\" role=\"button\" aria-label=\"Fermer\">Fermer<\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"anyone-can-contribute\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1203\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Tout le monde peut contribuer<\/span><\/div><div id=\"elementor-tab-content-1203\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"anyone-can-contribute\"><p>Les grands-parents, la famille \u00e9largie, les amis proches et toute autre personne d\u00e9sireuse d'apporter son soutien peuvent faire des dons au REEE.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"flexible-savings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1204\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">L'\u00e9pargne flexible<\/span><\/div><div id=\"elementor-tab-content-1204\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"flexible-savings\"><style>.elementor-2392 .elementor-element.elementor-element-3b8526a{--display:flex;}.elementor-2392 .elementor-element.elementor-element-4273043{font-size:14px;}<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2392\" class=\"elementor elementor-2392\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8526a e-flex e-con-boxed e-con e-parent\" data-id=\"3b8526a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-614d824 elementor-widget elementor-widget-text-editor\" data-id=\"614d824\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe souscripteur peut cotiser de mani\u00e8re r\u00e9aliste et dans la limite de ses moyens financiers. Il n'est pas n\u00e9cessaire d'utiliser les fonds du plan d\u00e8s que le b\u00e9n\u00e9ficiaire atteint l'\u00e2ge de 18 ans. Le plan peut continuer \u00e0 cro\u00eetre jusqu'\u00e0 ce que le b\u00e9n\u00e9ficiaire soit pr\u00eat \u00e0 faire des \u00e9tudes ou m\u00eame \u00eatre transf\u00e9r\u00e9 \u00e0 un autre b\u00e9n\u00e9ficiaire si le b\u00e9n\u00e9ficiaire initial d\u00e9cide de ne pas poursuivre ses \u00e9tudes.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>[2]<\/sup><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4273043 elementor-widget elementor-widget-text-editor\" data-id=\"4273043\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"#_ftnref1\" name=\"_ftn1\"><sup>[2]<\/sup><\/a> Les changements de b\u00e9n\u00e9ficiaires peuvent avoir une incidence sur les subventions cumul\u00e9es.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"tax-advantaged-withdrawals\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1205\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Retraits fiscalement avantageux<\/span><\/div><div id=\"elementor-tab-content-1205\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"tax-advantaged-withdrawals\"><p>En cas de retrait pour s'inscrire \u00e0 un programme d'\u00e9tudes postsecondaires admissible, la croissance du r\u00e9gime et les subventions gouvernementales seront impos\u00e9es au taux d'imposition de l'\u00e9tudiant. Le retrait des cotisations est toujours libre d'imp\u00f4t.<\/p><\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b606cb elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"1b606cb\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73a0cc3 e-con-full e-flex e-con e-child\" data-id=\"73a0cc3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cecd6b4 elementor-widget elementor-widget-image\" data-id=\"cecd6b4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"902\" height=\"594\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-2-fr.jpg\" class=\"attachment-full size-full wp-image-929\" alt=\"\" srcset=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-2-fr.jpg 901w, https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-2-fr-300x177.jpg 300w, https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/element-landing-growth-2-fr-768x453.jpg 768w\" sizes=\"(max-width: 902px) 100vw, 902px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-793d679 elementor-widget elementor-widget-text-editor\" data-id=\"793d679\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"#wow-modal-id-9\">Source<\/a><\/p><p><div class=\"modal-window\" id=\"modal-window-9\" role=\"dialog\" aria-modal=\"true\"  aria-live=\"off\"><div class=\"modal-window__wrapper\"><div class=\"modal-window__content\"><div class=\"modal-window__content-wrapper\"><div class=\"modal-window__content-main\"><p style=\"text-align: left\"><strong>Hypoth\u00e8ses<\/strong><\/p>\r\n<ul>\r\n<li style=\"text-align: left\">Cotisations de 200 $ par mois de l'\u00e2ge de 6 mois \u00e0 l'\u00e2ge de 15 ans et demi<\/li>\r\n<li style=\"text-align: left\">Taux de rendement de 5 %<\/li>\r\n<li style=\"text-align: left\">Pas d'imp\u00f4ts<\/li>\r\n<\/ul><\/div><\/div><div class=\"modal-window__close\" tabindex=\"0\" role=\"button\" aria-label=\"Fermer\">Fermer<\/div><\/div><\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0a234f elementor-widget elementor-widget-spacer\" data-id=\"c0a234f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46aa409 e-flex e-con-boxed e-con e-parent\" data-id=\"46aa409\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ddc7a1 elementor-hidden-desktop e-con-full e-flex e-con e-child\" data-id=\"1ddc7a1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d659c33 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"d659c33\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40977f1 elementor-widget elementor-widget-text-editor\" data-id=\"40977f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><span style=\"color: #ffffff;\">Les avantages sont les suivants :<\/span><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d09fc48 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"d09fc48\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-d09fc48\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"d09fc48\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"guaranteed-annual-grants\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2181\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Subventions annuelles garanties<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2181\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"guaranteed-annual-grants\"><style>.elementor-2386 .elementor-element.elementor-element-34e480d{--display:flex;}.elementor-2386 .elementor-element.elementor-element-4844eda{font-size:14px;}<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2386\" class=\"elementor elementor-2386\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34e480d e-flex e-con-boxed e-con e-parent\" data-id=\"34e480d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae49605 elementor-widget elementor-widget-text-editor\" data-id=\"ae49605\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDes subventions et des incitatifs gouvernementaux peuvent \u00eatre offerts pour faire fructifier l'\u00e9pargne d'un REEE. Le gouvernement f\u00e9d\u00e9ral offre deux programmes d'incitation : la Subvention canadienne pour l'\u00e9pargne-\u00e9tudes (SCEE) et le Bon d'\u00e9tudes canadien (BEC).  Certaines provinces ont \u00e9galement mis en place des programmes d'incitation.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>[1]<\/sup><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4844eda elementor-widget elementor-widget-text-editor\" data-id=\"4844eda\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"#_ftnref1\" name=\"_ftn1\"><sup>[1]<\/sup><\/a> Il est important de confirmer aupr\u00e8s du fournisseur de REEE les subventions disponibles pour son produit.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"tax-free-growth\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2182\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Croissance libre d'imp\u00f4t<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2182\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"tax-free-growth\">Les revenus des investissements dans le REEE sont \u00e0 l'abri de l'imp\u00f4t tant qu'ils restent dans le REEE.<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"anyone-can-contribute\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2183\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Tout le monde peut contribuer<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2183\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"anyone-can-contribute\"><p>Les grands-parents, la famille \u00e9largie, les amis proches et toute autre personne d\u00e9sireuse d'apporter son soutien peuvent faire des dons au REEE.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"flexible-savings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2184\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">L'\u00e9pargne flexible<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2184\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"flexible-savings\"><style>.elementor-2392 .elementor-element.elementor-element-3b8526a{--display:flex;}.elementor-2392 .elementor-element.elementor-element-4273043{font-size:14px;}<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2392\" class=\"elementor elementor-2392\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8526a e-flex e-con-boxed e-con e-parent\" data-id=\"3b8526a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-614d824 elementor-widget elementor-widget-text-editor\" data-id=\"614d824\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe souscripteur peut cotiser de mani\u00e8re r\u00e9aliste et dans la limite de ses moyens financiers. Il n'est pas n\u00e9cessaire d'utiliser les fonds du plan d\u00e8s que le b\u00e9n\u00e9ficiaire atteint l'\u00e2ge de 18 ans. Le plan peut continuer \u00e0 cro\u00eetre jusqu'\u00e0 ce que le b\u00e9n\u00e9ficiaire soit pr\u00eat \u00e0 faire des \u00e9tudes ou m\u00eame \u00eatre transf\u00e9r\u00e9 \u00e0 un autre b\u00e9n\u00e9ficiaire si le b\u00e9n\u00e9ficiaire initial d\u00e9cide de ne pas poursuivre ses \u00e9tudes.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>[2]<\/sup><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4273043 elementor-widget elementor-widget-text-editor\" data-id=\"4273043\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"#_ftnref1\" name=\"_ftn1\"><sup>[2]<\/sup><\/a> Les changements de b\u00e9n\u00e9ficiaires peuvent avoir une incidence sur les subventions cumul\u00e9es.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"tax-advantaged-withdrawals\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-2185\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Retraits fiscalement avantageux<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2185\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"tax-advantaged-withdrawals\"><p>En cas de retrait pour s'inscrire \u00e0 un programme d'\u00e9tudes postsecondaires admissible, la croissance du r\u00e9gime et les subventions gouvernementales seront impos\u00e9es au taux d'imposition de l'\u00e9tudiant. Le retrait des cotisations est toujours libre d'imp\u00f4t.<\/p><\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c01719 elementor-widget elementor-widget-spacer\" data-id=\"5c01719\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59df3fa e-flex e-con-boxed e-con e-parent\" data-id=\"59df3fa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-99a1c49 e-con-full e-flex e-con e-child\" data-id=\"99a1c49\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8ca7db elementor-widget elementor-widget-spacer\" data-id=\"c8ca7db\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3e7d54 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f3e7d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Facteurs \u00e0 consid\u00e9rer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf47aa elementor-widget elementor-widget-text-editor\" data-id=\"6bf47aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le souscripteur doit \u00eatre conscient. Les caract\u00e9ristiques, les risques et les co\u00fbts varient d'un fournisseur de REEE \u00e0 l'autre et d'un r\u00e9gime \u00e0 l'autre. Il est important de choisir le r\u00e9gime qui r\u00e9pond le mieux \u00e0 vos besoins. Demandez \u00e0 votre fournisseur de REEE de vous renseigner sur les r\u00e9gimes offerts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d18fe51 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"d18fe51\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-d18fe51\" data-scroll-on-click=\"\" data-scroll-speed=\"300\" data-accordion-id=\"d18fe51\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-fees\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2191\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quels sont les frais ?<\/span><\/div><div id=\"elementor-tab-content-2191\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-are-the-fees\"><p>Comprenez les frais que vous pourriez \u00eatre amen\u00e9 \u00e0 payer lors de l'ouverture du plan, ainsi que tous les autres frais que vous pourriez encourir pour continuer \u00e0 participer au plan, pour vous en retirer ou pour y mettre fin.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-grants-and-incentives-are-supported\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2192\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quelles sont les subventions et les mesures d'incitation soutenues ?<\/span><\/div><div id=\"elementor-tab-content-2192\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-grants-and-incentives-are-supported\"><p>Assurez-vous que votre plan offre les subventions disponibles.  Tous les r\u00e9gimes offrent la SCEE de base.  Cependant, tous les plans ne prennent pas en charge toutes les autres subventions du gouvernement du Canada ou des gouvernements provinciaux.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"how-flexible-is-the-contribution-schedule\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2193\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quelle est la flexibilit\u00e9 du calendrier de cotisation ?<\/span><\/div><div id=\"elementor-tab-content-2193\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"how-flexible-is-the-contribution-schedule\"><p>De nombreux r\u00e9gimes vous permettent de d\u00e9cider du moment et du montant des cotisations, dans la limite des plafonds viagers, tandis que d'autres r\u00e9gimes vous obligent \u00e0 cotiser selon un calendrier pr\u00e9cis.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-investment-choices\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2194\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quels sont les choix d'investissement ?<\/span><\/div><div id=\"elementor-tab-content-2194\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"what-are-the-investment-choices\"><p>Un REEE peut investir dans une vaste gamme de placements admissibles qui comportent des risques et des taux de rendement diff\u00e9rents. La disponibilit\u00e9 des options de placement d\u00e9pend de votre r\u00e9gime et de votre fournisseur.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"when-and-how-will-payments-be-made-from-the-plan-to-support-the-student-beneficiary\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-2195\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quand et comment les paiements seront-ils effectu\u00e9s \u00e0 partir du r\u00e9gime pour soutenir l'\u00e9tudiant b\u00e9n\u00e9ficiaire ?<\/span><\/div><div id=\"elementor-tab-content-2195\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"when-and-how-will-payments-be-made-from-the-plan-to-support-the-student-beneficiary\"><p>Pour recevoir des paiements de votre r\u00e9gime pour des \u00e9tudes post-secondaires, l'\u00e9tudiant devra fournir une preuve d'inscription \u00e0 un programme admissible, parfois avant une certaine date limite.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-options-are-available-if-your-beneficiary-does-not-continue-with-post-secondary-education\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-2196\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Quelles sont les options disponibles si votre b\u00e9n\u00e9ficiaire ne poursuit pas ses \u00e9tudes post-secondaires ?<\/span><\/div><div id=\"elementor-tab-content-2196\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"what-options-are-available-if-your-beneficiary-does-not-continue-with-post-secondary-education\"><p>En fonction de votre situation et des conditions de votre r\u00e9gime, vous pouvez b\u00e9n\u00e9ficier des options suivantes :<\/p><ul><li>Laissez le plan ouvert - votre b\u00e9n\u00e9ficiaire peut d\u00e9cider de poursuivre ses \u00e9tudes \u00e0 une date ult\u00e9rieure.<\/li><li>Utiliser l'argent pour un autre b\u00e9n\u00e9ficiaire ou, sous certaines conditions, transf\u00e9rer le REEE d'un b\u00e9n\u00e9ficiaire dans un r\u00e9gime enregistr\u00e9 d'\u00e9pargne-invalidit\u00e9 (REEI).<\/li><li>Fermer le plan.<\/li><\/ul><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-happens-if-terminating-the-plan-is-required\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-2197\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Que se passe-t-il s'il faut mettre fin au r\u00e9gime ?<\/span><\/div><div id=\"elementor-tab-content-2197\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"what-happens-if-terminating-the-plan-is-required\"><p>Vos cotisations, moins les frais ou les p\u00e9nalit\u00e9s, vous seront rembours\u00e9es en franchise d'imp\u00f4t. Les subventions et incitations qui restent dans le plan seront restitu\u00e9es au gouvernement concern\u00e9.  Dans certaines conditions, les revenus des actifs du r\u00e9gime peuvent vous \u00eatre restitu\u00e9s sous forme de paiements imposables. Vous pouvez r\u00e9duire ou \u00e9liminer l'imp\u00f4t en transf\u00e9rant l'argent \u00e0 votre r\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite (REER) ou \u00e0 un REER de conjoint si vous disposez de droits de cotisation \u00e0 un REER.<\/p><\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d968647 elementor-widget elementor-widget-spacer\" data-id=\"d968647\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00db0e1 e-flex e-con-boxed e-con e-parent\" data-id=\"00db0e1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-115f091 e-con-full e-flex e-con e-child\" data-id=\"115f091\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-379d8f7 elementor-widget elementor-widget-heading\" data-id=\"379d8f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Plus d'informations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2e16de elementor-grid-eael-col-4 elementor-grid-tablet-eael-col-2 elementor-grid-mobile-eael-col-1 elementor-widget elementor-widget-eael-post-grid\" data-id=\"d2e16de\" data-element_type=\"widget\" data-settings=\"{&quot;eael_post_grid_columns&quot;:&quot;eael-col-4&quot;,&quot;eael_post_grid_columns_tablet&quot;:&quot;eael-col-2&quot;,&quot;eael_post_grid_columns_mobile&quot;:&quot;eael-col-1&quot;}\" data-widget_type=\"eael-post-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"eael-post-grid-d2e16de\" class=\"eael-post-grid-container\">\n            <div class=\"eael-post-grid eael-post-appender eael-post-appender-d2e16de eael-post-grid-style-one\" data-layout-mode=\"\"><article class=\"eael-grid-post eael-post-grid-column\" data-id=\"365\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/resp-basics\/\"><\/a><\/div><div class=\"eael-entry-thumbnail eael-image-ratio\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/feature-2-resp-basics-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-924\" alt=\"\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h4 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/resp-basics\/\" title=\"Les bases du REEE\">Les bases du REEE<\/a><\/h4><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/resp-basics\/\" class=\"eael-post-elements-readmore-btn\">En savoir plus<\/a><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post eael-post-grid-column\" data-id=\"310\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/transactions\/\"><\/a><\/div><div class=\"eael-entry-thumbnail eael-image-ratio\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/feature-3-transactions-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-923\" alt=\"\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h4 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/transactions\/\" title=\"Transactions\">Transactions<\/a><\/h4><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/transactions\/\" class=\"eael-post-elements-readmore-btn\">En savoir plus<\/a><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post eael-post-grid-column\" data-id=\"126\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/other-considerations\/\"><\/a><\/div><div class=\"eael-entry-thumbnail eael-image-ratio\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/feature-4-other-considerations-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-922\" alt=\"\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h4 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/other-considerations\/\" title=\"Autres consid\u00e9rations\">Autres consid\u00e9rations<\/a><\/h4><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/other-considerations\/\" class=\"eael-post-elements-readmore-btn\">En savoir plus<\/a><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post eael-post-grid-column\" data-id=\"304\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/glossary\/\"><\/a><\/div><div class=\"eael-entry-thumbnail eael-image-ratio\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/wordpress.dockhost.synology.me\/wp-content\/uploads\/2024\/01\/feature-5-glossary-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-921\" alt=\"\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h4 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/glossary\/\" title=\"Glossaire\">Glossaire<\/a><\/h4><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><a href=\"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/glossary\/\" class=\"eael-post-elements-readmore-btn\">En savoir plus<\/a><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><\/div>\n            <div class=\"clearfix\"><\/div>\n        <\/div>            <div class=\"eael-load-more-button-wrap eael-force-hide\">\n                <button class=\"eael-load-more-button\" id=\"eael-load-more-btn-d2e16de\" data-widget-id=\"d2e16de\" data-widget=\"d2e16de\" data-page-id=\"1913\" data-template=\"{&quot;dir&quot;:&quot;lite&quot;,&quot;file_name&quot;:&quot;one.php&quot;,&quot;name&quot;:&quot;Post-Grid&quot;}\" data-class=\"Essential_Addons_Elementor\\Elements\\Post_Grid\" data-layout=\"\" data-page=\"1\" data-args=\"orderby=menu_order&amp;order=asc&amp;ignore_sticky_posts=1&amp;post_status=publish&amp;posts_per_page=4&amp;offset=0&amp;post_type=page&amp;post__not_in%5B0%5D=1256&amp;post__not_in%5B1%5D=1913\" data-max-page=\"2\">\n                    <span class=\"eael-btn-loader button__loader\"><\/span>\n                    <span class=\"eael_load_more_text\">En savoir plus<\/span>\n                <\/button>\n            <\/div>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841b64c elementor-widget elementor-widget-spacer\" data-id=\"841b64c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Invest in your future. Follow Your Dreams Learn More Calculator Registered Education Savings Plan A registered education savings plan, or RESP, is: a convenient way to save for future post-secondary education of a child, yourself, or another person; a tax\u2011assisted education savings plan (ESP), registered with the Canada Revenue Agency (CRA) to encourage investing for&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1913","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/pages\/1913","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/comments?post=1913"}],"version-history":[{"count":171,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/pages\/1913\/revisions"}],"predecessor-version":[{"id":3529,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/pages\/1913\/revisions\/3529"}],"wp:attachment":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/media?parent=1913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}