{"id":142424,"date":"2024-09-06T13:35:15","date_gmt":"2024-09-06T17:35:15","guid":{"rendered":"https:\/\/costasf.com\/?page_id=142424"},"modified":"2026-04-15T15:28:14","modified_gmt":"2026-04-15T19:28:14","slug":"epargne","status":"publish","type":"page","link":"https:\/\/costasf.com\/en\/epargne","title":{"rendered":"Savings"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row row-container boomapps_vcrow\" id=\"row-unique-0\"><div class=\"row single-top-padding single-bottom-padding triple-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text zoom-in animate_when_almost_visible\" data-delay=\"200\"><h3 class=\"fontsize-155944\" ><span>Savings<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container boomapps_vcrow\" id=\"row-unique-1\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1136527903-scaled.jpg);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row col-no-gutter triple-top-padding exa-bottom-padding single-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn col-md-50 single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible bottom-t-top\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn single-block-padding style-accent-bg has-bg    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"custom fontheight-357766 font-weight-500 text-color-xsdn-color fontsize-132955-custom font-size-custom\" ><span>\u00c9pargner aujourd&rsquo;hui, pour r\u00e9aliser vos r\u00eaves de demain.<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"custom fontheight-524109 font-weight-600 text-color-xsdn-color fontsize-187498-custom font-size-custom\" ><span>Commencez \u00e0 \u00e9pargner aujourd&rsquo;hui et ayez la tranquillit\u00e9 d&rsquo;esprit face \u00e0 votre avenir financier. Un petit montant aujourd&rsquo;hui peut devenir gros demain.<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"empty-space empty-triple\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-2 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-gyho-bg row-container boomapps_vcrow\" id=\"row-unique-2\"><div class=\"row col-double-gutter quad-top-padding quad-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible left-t-right\"  data-delay=\"100\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"fontsize-155944 fontheight-357766 text-accent-color\" ><span>Achieve your financial goals.<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-bottom pos-center align_left column_parent col-lg-6 boomapps_vccolumn double-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible right-t-left\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h3 fontheight-357766 font-weight-400 text-accent-color\" ><span>Que ce soit en vue de l&rsquo;achat d&rsquo;une maison, payer des frais de scolarit\u00e9, fonder une famille ou une planification de retraite, il existe de nombreux r\u00e9gimes d&rsquo;\u00e9pargne sur le march\u00e9.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-accent-bg row-container has-dividers boomapps_vcrow\" id=\"row-unique-3\"><div class=\"uncode-divider-wrap uncode-divider-wrap-top z_index_0\" style=\"height: 15%;\" data-height=\"15\" data-unit=\"%\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-step\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#eaeaea\" d=\"M240,0v24H0V0H240z\"\/>\n\t\t<\/svg><\/div><div class=\"row unequal col-half-gutter no-top-padding quad-bottom-padding single-h-padding full-width row-parent\" style=\"max-width:1800px; margin-left:auto; margin-right:auto;\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-4 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"100\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-darker-lg unradius-std\" ><div class=\"uncont\" style=\" max-width:444px;\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible alpha-anim\" data-speed=\"1000\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"font-114468 h1 font-weight-700\" ><span>RRSP<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-retraite<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">An RRSP is a savings account designed to help you save for retirement. The funds grow tax-deferred until withdrawal, and contributions are deductible from taxable income.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-4 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-darker-lg unradius-std\" ><div class=\"uncont\" style=\" max-width:444px;\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible alpha-anim\" data-speed=\"1000\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h1 font-weight-700\" ><span>TFSA<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>Compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">A TFSA is a savings account that allows your investments to grow tax-free. Unlike an RRSP or an FHSA, contributions are not tax-deductible. The main advantage of a TFSA is that withdrawals are completely tax-free.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-4 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\"  data-delay=\"300\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg has-bg unshadow-darker-lg unradius-std\" ><div class=\"uncont\" style=\" max-width:444px;\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible alpha-anim\" data-speed=\"1000\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h1 font-weight-700\" ><span>FHSA<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>First Home Savings Account<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p><span style=\"color: #383838;\">The primary purpose of an FHSA is to help first-time home buyers. Investment growth is tax-sheltered, contributions are tax-deductible, and withdrawals used for the purchase of a first home are not taxable.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><div class=\"uncode-divider-wrap uncode-divider-wrap-bottom z_index_0 uncode-divider-relative uncode-row-divider-invert\" style=\"height: 72px;\" data-height=\"72\" data-unit=\"px\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-curve\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#ffffff\" d=\"M0,24l0.01-0.24V0H240v24c0,0-48.115-23.471-120.039-23.48C48.018,0.52,0,24,0,24L0,24z\"\/>\n\t\t<\/svg><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container has-dividers boomapps_vcrow\" style=\"z-index: 2;\" id=\"row-unique-4\"><div class=\"uncode-divider-wrap uncode-divider-wrap-bottom z_index_0\" style=\"height: 33%;\" data-height=\"33\" data-unit=\"%\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-step\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#003366\" d=\"M240,0v24H0V0H240z\"\/>\n\t\t<\/svg><\/div><div class=\"row col-half-gutter quad-top-padding quad-bottom-padding single-h-padding limit-width row-parent\" style=\"max-width:1440px; margin-left:auto; margin-right:auto;\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn double-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_child col-lg-12 demo-center-section boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" style=\" max-width:768px;\" ><div class=\"vc_custom_heading_wrap demo-heading\"><div class=\"heading-text el-text single-curtain animate_inner_when_almost_visible el-text-split\" data-delay=\"200\"><h3 class=\"custom fontsize-850343-custom font-size-custom font-obs translation-block\" data-style=\"normal\" data-weight=\"600\" data-font=\"Raleway\">Contribution limit<\/h3><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row unequal col-half-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-4 boomapps_vccolumn col-md-33 single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\" data-delay=\"100\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg unshadow-lg unradius-lg\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"custom fontspace-781688 fontsize-130931-custom font-size-custom\" ><span>RRSP<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-wrapper uncode-list\" >\n<ul class=\"icons\">\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">Pour 2026, le droit de cotisation au REER est de 18 % du revenu gagn\u00e9 en 2025, jusqu&rsquo;\u00e0 un maximum de 33 810$.<\/span><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">Contributions are also limited by your unused contribution room carried forward from previous years. In total, you may over-contribute by up to $2,000 without penalty.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-4 boomapps_vccolumn col-md-33 single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\" data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg unshadow-lg unradius-lg\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"custom fontspace-781688 fontsize-104054-custom font-size-custom\" ><span>TFSA<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-wrapper uncode-list\" >\n<ul class=\"icons\">\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">For 2026, the TFSA contribution limit is $7,000.<\/span><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">Ce montant s&rsquo;ajoute aux droits de cotisation non utilis\u00e9s des ann\u00e9es pr\u00e9c\u00e9dentes depuis vos 18 ans.<\/span><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">Si vous n&rsquo;avez jamais cotis\u00e9 au CELI et que vous \u00eates admissible depuis sa cr\u00e9ation en 2009, votre plafond de cotisation est de 109 000$ pour 2026.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-4 boomapps_vccolumn col-md-33 single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-in\" data-delay=\"300\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding style-color-xsdn-bg unshadow-lg unradius-lg\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"custom fontspace-781688 fontsize-124395-custom font-size-custom\" ><span>FHSA<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-wrapper uncode-list\" >\n<ul class=\"icons\">\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">The annual FHSA contribution limit is $8,000.<\/span><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><span style=\"color: #383838;\">The lifetime contribution limit is $40,000, with a maximum contribution period of 15 years.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-4\" data-row=\"script-row-unique-4\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-4\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row inverted-device-order row-container boomapps_vcrow\" id=\"row-unique-5\"><div class=\"row unequal col-double-gutter quad-top-padding quad-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible top-t-bottom\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h2\" ><span>RESP<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-\u00e9tude<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p><span style=\"color: #383838;\">An RESP is a savings plan designed to help fund a child\u2019s post-secondary education. Contributions are not tax-deductible, but investment growth is tax-sheltered. The government also provides grants, such as the Canada Education Savings Grant (CESG), which adds 20% to contributions, up to $500 per year. <span class=\"nowrap\">(1 000\u00a0$<\/span> if there is unused grant room from a previous year), up to a lifetime maximum of <span class=\"nowrap\">7 200\u00a0$<\/span>. The funds are withdrawn to cover education expenses, and the investment income is taxed in the hands of the student, often at a lower tax rate.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible zoom-out\"  data-delay=\"300\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 100%;\"><\/div><img decoding=\"async\" class=\"wp-image-142460\" src=\"https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1444246736-scaled-uai-1708x1708.jpg\" width=\"1708\" height=\"1708\" alt=\"\" srcset=\"https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1444246736-scaled-uai-1708x1708.jpg 1708w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1444246736-150x150.jpg 150w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1444246736-348x348.jpg 348w, https:\/\/costasf.com\/wp-content\/uploads\/2024\/09\/iStock-1444246736-scaled-uai-720x720.jpg 720w\" sizes=\"(max-width: 1708px) 100vw, 1708px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-5\" data-row=\"script-row-unique-5\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-5\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-lxmt-bg row-container has-dividers boomapps_vcrow\" id=\"row-unique-6\"><div class=\"uncode-divider-wrap uncode-divider-wrap-top z_index_0 uncode-divider-tablet-hide uncode-divider-mobile-hide uncode-row-divider-invert\" style=\"height: 100%;\" data-height=\"100\" data-unit=\"%\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-curve\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#cc9900\" d=\"M240,0v24h-80V0H240z\"\/>\n\t\t<\/svg><\/div><div class=\"row unequal col-no-gutter no-top-padding double-bottom-padding no-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-right align_left column_parent col-lg-7 boomapps_vccolumn half-internal-gutter\"><div class=\"uncol style-light font-846016 animate_when_almost_visible alpha-anim\"  data-delay=\"200\" data-speed=\"1000\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding\" ><div class=\"uncont\" style=\" max-width:780px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text left-t-right animate_when_almost_visible\" data-delay=\"100\"><h3 class=\"font-846016 h2 fontheight-357766 fontspace-781688\" ><span>RDSP<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text left-t-right animate_when_almost_visible\" data-delay=\"200\"><h2 class=\"h5 font-weight-700 text-accent-color\" ><span>R\u00e9gime enregistr\u00e9 d&rsquo;\u00e9pargne-invalidit\u00e9<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column left-t-right animate_when_almost_visible\" data-delay=\"300\"><p><span class=\"font-139798\" style=\"color: #383838;\">An RDSP is a savings plan designed to help people with disabilities achieve long-term financial security. Contributions are not tax-deductible, and investment growth is tax-sheltered. The government provides grants and bonds to help increase savings. Withdrawals are taxable, but are generally taxed at a lower rate in the hands of the beneficiary.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-5 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light animate_when_almost_visible right-t-left\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_row style-accent-bg row-internal row-container boomapps_vcrow\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn double-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h4 fontheight-524109 font-weight-500 text-color-xsdn-color\" ><i><span>Did you know that if you have a disability, the federal government offers grants and bonds that can total up to $90,000 over the lifetime of the plan.<\/span><\/i><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-6\" data-row=\"script-row-unique-6\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-6\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-lxmt-bg row-container boomapps_vcrow\" id=\"row-unique-7\"><div class=\"row no-top-padding double-bottom-padding double-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-spec style-dark shift_y_double animate_when_almost_visible bottom-t-top\"  data-delay=\"200\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn quad-block-padding style-accent-bg has-bg\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container boomapps_vcrow\"><div class=\"row col-half-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-8 boomapps_vccolumn double-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible alpha-anim\" data-speed=\"1600\"><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h2\" ><span>R\u00e9gime d&rsquo;\u00e9pargne non enregistr\u00e9<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p>A non-registered investment account is an investment vehicle that allows you to invest without being subject to contribution limits. It offers great flexibility and is particularly suitable for individuals who have already maximized their RRSP and TFSA contributions but wish to continue saving for a project or for retirement.<\/p>\n<p>The growth potential of a non-registered investment account is often higher than that of a traditional savings account and depends on the investments selected. However, it is important to note that capital gains and interest income generated within this account are taxable.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-7\" data-row=\"script-row-unique-7\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-7\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container boomapps_vcrow\" id=\"row-unique-8\"><div class=\"row single-top-padding single-bottom-padding quad-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 boomapps_vccolumn single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  boomapps_vccolumn no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h1\" ><span>Questions?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/costasf.com\/en\/contact\/\" class=\"custom-link btn border-width-0 btn-accent btn-icon-left\" title=\"Contact\">Contact me<\/a><\/span><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"custom fontsize-612641-custom font-size-custom\" ><span>D&rsquo;autres produits de placement qui pourraient vous int\u00e9resser:<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-wrapper uncode-list\" >\n<ul class=\"icons\">\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><a href=\"https:\/\/costasf.com\/en\/placements\/\">Investments<\/a><\/li>\n<li><i class=\"fa fa-circle-check text-accent-color\"><\/i><a href=\"https:\/\/costasf.com\/en\/rentes-et-retraite\/\">Annuities and Retirement<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-8\" data-row=\"script-row-unique-8\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-8\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"\u00c9pargne \u00c9pargner aujourd'hui, pour r\u00e9aliser vos r\u00eaves de demain.Commencez \u00e0 \u00e9pargner aujourd'hui et ayez la tranquillit\u00e9 d'esprit face \u00e0 votre [...]","protected":false},"author":1,"featured_media":143325,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-142424","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/comments?post=142424"}],"version-history":[{"count":91,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142424\/revisions"}],"predecessor-version":[{"id":145687,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/pages\/142424\/revisions\/145687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/media\/143325"}],"wp:attachment":[{"href":"https:\/\/costasf.com\/en\/wp-json\/wp\/v2\/media?parent=142424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}