{"id":5426,"date":"2026-03-10T09:16:11","date_gmt":"2026-03-10T13:16:11","guid":{"rendered":"https:\/\/cbbenefits.ca\/?page_id=5426"},"modified":"2026-03-10T15:51:38","modified_gmt":"2026-03-10T19:51:38","slug":"fonctionnement-du-regime-enregistre-depargne-retraite","status":"publish","type":"page","link":"https:\/\/www.bcavantages.ca\/fr\/retraite-et-epargne\/apercu\/fonctionnement-du-regime-enregistre-depargne-retraite\/","title":{"rendered":"Fonctionnement du R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite"},"content":{"rendered":"  <div id=\"page-hero-block_3c20b460040dff1573baa7ad93cfffb6\" class=\"page-hero\">\r\n    <div class=\"page-hero__container blue\" >\r\n      <div class=\"page-hero__image\">\r\n        <div class=\"page-hero__image__circle\">\r\n          <div class=\"page-hero__image__circle__bottom moreleft\" style=\"background-image:url('\/wp-content\/uploads\/2026\/03\/retired-couple-travel-01-16x9-1-1920x1080.jpg')\"><\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"page-hero__wrapper\">\r\n        <div class=\"page-hero__breadcrumb\">\r\n          <h1>\r\n                          <a href=\"\/fr\/retraite-et-epargne\/\"><span class=\"page-hero__breadcrumb__parent\">Retraite et \u00e9pargne<\/span><\/a> <span class=\"page-hero__breadcrumb__separator\">|<\/span>\r\n                        <span class=\"page-hero__breadcrumb__current\">\r\n                              <a href=\"\/fr\/retraite-et-epargne\/apercu\/\">Aper\u00e7u<\/a>\r\n                          <\/span>\r\n          <\/h1>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\n\n   <div id=\"anchor-link-block_1adb46e1d2a34c54c0a13eddeffa3697\" class=\"anchor-link\">\r\n      <a name=\"how-the-tfsa-works\" class=\"anchor\"><\/a>\r\n   <\/div>\r\n\n\n\n<h2 class=\"wp-block-heading\">Fonctionnement du R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite<\/h2>\n\n\n\n<p>En tant que participant au r\u00e9gime BC Avantages, vous avez aussi acc\u00e8s \u00e0 un REER, qui vous offre une autre fa\u00e7on d\u2019\u00e9pargner, \u00e0 l\u2019abri de l\u2019imp\u00f4t, en vue de l\u2019avenir.<\/p>\n\n\n\n<p>Vous pouvez \u00e9tablir un REER individuel (en votre nom) ou un REER de conjoint (au nom de votre conjoint dont vous \u00eates le cotisant).<\/p>\n\n\n\n<p>Votre conjoint et vos personnes \u00e0 charge peuvent aussi \u00e9tablir un REER en leur propre nom (ils en sont les cotisants) dans le r\u00e9gime BC Avantages et b\u00e9n\u00e9ficier des frais peu \u00e9lev\u00e9s auxquels vous avez droit en tant que participant.<\/p>\n\n\n\n<p><strong>Options de placement dans le REER<\/strong> \u2013 Selon le moment o\u00f9 vous pr\u00e9voyez prendre votre retraite, vous pouvez choisir un fonds \u00e0 date cible ou des fonds issus de diverses cat\u00e9gories d\u2019actif, dont les suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Actions canadiennes<\/li>\n\n\n\n<li>Actions mondiales<\/li>\n\n\n\n<li>Actions de croissance mondiales<\/li>\n\n\n\n<li>Titres \u00e0 revenu fixe<\/li>\n\n\n\n<li>March\u00e9 mon\u00e9taire<\/li>\n\n\n\n<li>Immobilier<\/li>\n<\/ul>\n\n\n\n<p>Pour \u00e9tablir un REER et commencer \u00e0 y cotiser : ouvrez une session dans <a href=\"https:\/\/ma.canadavie.com\/acceder\" type=\"link\" id=\"https:\/\/ma.canadavie.com\/acceder\" target=\"_blank\" rel=\"noreferrer noopener\">Ma Canada Vie au travail<\/a> et suivez le processus d\u2019adh\u00e9sion en ligne.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendez-vous \u00e0 Gestion du portefeuille &gt; Modifier votre portefeuille &gt; Adh\u00e9sion express<\/li>\n\n\n\n<li>Choisissez l\u2019option REER et remplissez le formulaire.<\/li>\n<\/ul>\n\n\n\n<p>Pour plus de renseignements, consultez les ressources connexes sur le REER.<\/p>\n\n\n  <div id=\"related-resources-block_24465b2b0a4cd602314b4b0a019683a7\" class=\"related-resources\">\r\n    <div class=\"related-resources__container blue\">\r\n      <div class=\"related-resources__heading nohovertrans\">\r\n        <span class=\"related-resources__heading__icon\">\r\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/07\/retirement-white-300x300.png\" alt=\"\">\r\n        <\/span>\r\n        <div class=\"related-resources__heading__text\">\r\n          Ressources connexes\r\n          <span class=\"related-resources__heading__expander\">\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"expand\" aria-hidden=\"true\">+<\/span>\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"collapse\" aria-hidden=\"true\">\u2013<\/span>\r\n          <\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"related-resources__groups\">\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Ressources            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/my.canadalife.com\/acceder\"  target=\"_blank\"  >Ma Canada Vie au travail<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2026\/03\/group-rrsp-essentials-fr.pdf\"  target=\"_blank\"  >Aper\u00e7u du REER<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/cbbenefits.ca\/fr\/retraite-et-epargne\/demarrer\/#etablir-celi-reer\"  target=\"_blank\"  >\u00c9tablir un REER<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Regardez la vid\u00e9o            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2026\/03\/Des-mises-a-jour-importantes-concernant-votre-regime.pdf\"  target=\"_blank\"  >Pr\u00e9sentation sur le REER du r\u00e9gime BC Avantages<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Questions ou aide?            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"tel:1-833-900-3853\"  target=\"_blank\"  >Canada Vie sans frais 1-833-900-3853<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"mailto:info@cbbenefits.ca\"  target=\"_blank\"  >info@cbbenefits.ca<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n              <\/div>\r\n    <\/div>\r\n  <\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>Fonctionnement du R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite En tant que participant au r\u00e9gime BC Avantages, vous avez aussi acc\u00e8s \u00e0 un REER, qui vous offre une autre fa\u00e7on d\u2019\u00e9pargner, \u00e0 l\u2019abri de l\u2019imp\u00f4t, en vue de l\u2019avenir. Vous pouvez \u00e9tablir un REER individuel (en votre nom) ou un REER de conjoint (au nom de votre conjoint dont [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":1667,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"page-template\/page-with-related-resources.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5426","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/5426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/comments?post=5426"}],"version-history":[{"count":2,"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/5426\/revisions"}],"predecessor-version":[{"id":5456,"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/5426\/revisions\/5456"}],"up":[{"embeddable":true,"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1667"}],"wp:attachment":[{"href":"https:\/\/www.bcavantages.ca\/fr\/wp-json\/wp\/v2\/media?parent=5426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}