Vous avez probablement entendu parler du compte d’épargne libre d’impôt (CELI) et du régime enregistré d’épargne-retraite (REER). Tous deux sont d’excellents moyens d’investir et d’épargner, et offrent l’avantage supplémentaire d’allégements fiscaux; mais, que savez-vous d’autre à leur sujet?
Voici les principales différences entre les deux.
TFSA
RRSP
Tax Benefits
Dividends, interest, and capital gains earned in a TFSA are 100% tax-free
Tax deductions for contributions
Interest earned on RRSP investments are tax-free
Access to your funds
Withdraw funds at any time tax-free
Money withdrawn from a TFSA can be added back in the future
Withdraw funds at any time but pay tax on those funds
Money withdrawn from an RRSP can’t be re-added unless it’s part of a particular program, such as the government Home Buyer’s Plan or Lifelong Learning plan
Lifespan
TFSA’s never expire
RRSPs must be converted to a RRIF or annuity before December 31 of the year when you turn 71
Contribution Limit
The current annual contribution limit is $7,000. Unused contribution space carries forward to the following year
The current annual RRSP contribution limit is 18% of your taxable income, to a maximum of $31,560
Unused contribution space carries forward to the following year
Spousal Plan
Not available
You can contribute directly to a spousal RRSP
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