{"id":30341,"date":"2026-02-20T18:21:32","date_gmt":"2026-02-20T23:21:32","guid":{"rendered":"https:\/\/graceful-badlands-9585-xmf.1wp.site\/dreams-dont-wait-why-its-important-to-start-saving-today-in-canada\/"},"modified":"2026-02-20T18:27:43","modified_gmt":"2026-02-20T23:27:43","slug":"les-reves-nattendent-pas-pourquoi-il-est-important-de-commencer-a-epargner-des-aujourdhui-au-canada","status":"publish","type":"post","link":"https:\/\/conseillerefinanciere.ca\/fr\/les-reves-nattendent-pas-pourquoi-il-est-important-de-commencer-a-epargner-des-aujourdhui-au-canada\/","title":{"rendered":"Les r\u00eaves n\u2019attendent pas. Pourquoi il est important de commencer \u00e0 \u00e9pargner d\u00e8s aujourd\u2019hui au Canada"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/commencer-investir-aujourdhui.png\" alt=\"commencer-investir-aujourdhui au Qu\u00e9bec, Canada\" class=\"wp-image-30335\" style=\"width:578px;height:auto\" srcset=\"https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/commencer-investir-aujourdhui.png 1000w, https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/commencer-investir-aujourdhui-980x980.png 980w, https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/commencer-investir-aujourdhui-480x480.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00eaves n\u2019attendent pas.<br>Mais plusieurs les remettent \u00e0 plus tard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9tudes des enfants.<br>L\u2019achat d\u2019une propri\u00e9t\u00e9.<br>L\u2019ind\u00e9pendance financi\u00e8re et une retraite paisible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, nous disposons d\u2019outils efficaces pour avancer vers ces objectifs de fa\u00e7on structur\u00e9e \u2014 <strong>REER, CELI et CELIAPP<\/strong>. Pourtant, ils ne sont pas toujours utilis\u00e9s pleinement.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi commencer maintenant<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s 23 ann\u00e9es d\u2019exp\u00e9rience au Qu\u00e9bec, je constate une erreur fr\u00e9quente :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attendre le \u00ab moment id\u00e9al \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attendre un revenu plus \u00e9lev\u00e9.<br>Attendre que les march\u00e9s se stabilisent.<br>Attendre d\u2019avoir un surplus d\u2019argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or, la croissance financi\u00e8re repose sur le temps, pas sur un moment parfait.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame des cotisations mensuelles r\u00e9guli\u00e8res peuvent g\u00e9n\u00e9rer un capital important \u00e0 long terme.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">REER, CELI ou CELIAPP \u2014 lequel choisir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque outil a son r\u00f4le :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>REER<\/strong> \u2014 r\u00e9duction d\u2019imp\u00f4t aujourd\u2019hui et pr\u00e9paration de la retraite.<br><strong>CELI<\/strong> \u2014 croissance libre d\u2019imp\u00f4t et flexibilit\u00e9.<br><strong>CELIAPP<\/strong> \u2014 \u00e9pargne avantageuse pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La question n\u2019est pas de savoir lequel est \u00ab le meilleur \u00bb.<br>La question est de d\u00e9terminer lequel correspond \u00e0 votre situation.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">La planification financi\u00e8re au Canada ne consiste pas \u00e0 pr\u00e9dire le march\u00e9.<br>Elle repose sur une strat\u00e9gie, de la discipline et une bonne compr\u00e9hension de la fiscalit\u00e9.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous souhaitez :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>savoir combien cotiser<\/li>\n\n\n\n<li>choisir le bon compte<\/li>\n\n\n\n<li>optimiser votre fiscalit\u00e9<\/li>\n\n\n\n<li>mettre en place une strat\u00e9gie \u00e0 long terme<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Appelez-moi directement :<br>&#x1f4de; <a href=\"tel:+15142909338\" type=\"tel\" id=\"tel:+15142909338\">514-290-9338<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les r\u00eaves n\u2019attendent pas.Mais plusieurs les remettent \u00e0 plus tard. Les \u00e9tudes des enfants.L\u2019achat d\u2019une propri\u00e9t\u00e9.L\u2019ind\u00e9pendance financi\u00e8re et une retraite paisible. Au Canada, nous disposons d\u2019outils efficaces pour avancer vers ces objectifs de fa\u00e7on structur\u00e9e \u2014 REER, CELI et CELIAPP. Pourtant, ils ne sont pas toujours utilis\u00e9s pleinement. Pourquoi commencer maintenant Apr\u00e8s 23 ann\u00e9es d\u2019exp\u00e9rience [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30335,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-30341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissements"],"_links":{"self":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30341","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/comments?post=30341"}],"version-history":[{"count":2,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30341\/revisions"}],"predecessor-version":[{"id":30345,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30341\/revisions\/30345"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/media\/30335"}],"wp:attachment":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/media?parent=30341"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/categories?post=30341"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/tags?post=30341"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}