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Compte d'épargne libre d'impôt (CELI)
Un compte d’épargne libre d’impôt (CELI) est un régime d’épargne fiscalement avantageux permettant aux personnes âgées de 18 ans ou plus d’épargner à l’abri de l’impôt tout au long de leur vie. Vous ne payez aucun impôt sur le revenu, les intérêts ou les retraits.
Un CELI est un excellent moyen d’épargner pour vos objectifs futurs à court et à long terme.
Avantages d'un CELI
Apprenez-en davantage sur les façons dont l'ouverture d'un REER peut vous être bénéfique.
No Tax on Earnings
The flexibility of a TFSA allows you to withdraw your money at any time without having to pay any fees or taxes.
Year to Year Carry Over
Any unused contribution room left over can be carried forward to the next year.
Re-Contribute Amount Withdrawn
Making a withdrawal does not result in lost TFSA contribution room. Withdrawals you make in the year will be added to your unused contribution room.
Tax Free Withdrawals
Any income, capital gains and dividends you earn are yours to keep!
No Age Limit Restriction
Unlike an RRSP, you can continue to contribute well into your golden years.
Income Equality
No matter your income, the contribution for a TFSA is the same. Which is great for those with lower income wanting to tax-shelter a higher percent of their earnings.
Coup d'œil sur le CELI
Plafond de cotisation - 88 000
- If you have never contributed to a TFSA and have been eligible since its introduction in 2009, your cumulative contribution room will be $88,000 in 2023.
- You begin earning contribution room from age 18 and must have a valid social insurance number (SIN).
Plafond de cotisation pour 2023 - 6 500
- The Annual contribution limit can change from year to year.
- The flexible nature of TFSA’s can offer many advantages for any future goal – both short-term and long-term.
- Whether you are buying your first home or would like to put some money aside for travel. A TFSA can help you get one step closer to these goals.
- Everyone has different financial aspirations and your investment plan should reflect this.