{"id":2824,"date":"2019-01-22T16:53:26","date_gmt":"2019-01-22T16:53:26","guid":{"rendered":"https:\/\/milleniumgf.com\/site\/?p=2824"},"modified":"2019-01-22T16:53:26","modified_gmt":"2019-01-22T16:53:26","slug":"optimisation-du-retour-dimpot","status":"publish","type":"post","link":"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/","title":{"rendered":"L&rsquo;optimisation du retour d&rsquo;imp\u00f4t"},"content":{"rendered":"<p>L\u2019optimisation du retour d\u2019imp\u00f4t est une strat\u00e9gie pouvant \u00eatre mise en place par toute personne contribuant \u00e0 un REER et qui \u00a0implique un r\u00e9investissement des retours d\u2019imp\u00f4t re\u00e7us, de fa\u00e7on exponentielle jusqu\u2019au dernier dollar.<\/p>\n<h2>Un exemple concret d&rsquo;optimisation du retour d&rsquo;imp\u00f4t<\/h2>\n<p>Pour illustrer le concept reportez-vous au tableau ci-dessous; \u00a0un individu qui se verse un salaire annuel de 95\u00a0000$ et qui cotise $5\u00a0000 dans ses REER aura accumul\u00e9 au cours de l\u2019ann\u00e9e en cours 9208$.\u00a0 \u00a0La strat\u00e9gie est simple. Sa cotisation de 5\u00a0000$ additionn\u00e9e au retour d\u2019imp\u00f4t de la premi\u00e8re ann\u00e9e de 2\u00a0285$ fait un total de 7\u00a0285$. Avec la strat\u00e9gie d\u2019optimisation du retour d\u2019imp\u00f4t \u00e0 la source vous investissez le retour d\u2019imp\u00f4t (2\u00a0285$) dans votre REER ce qui engendre un nouveau retour d\u2019imp\u00f4t avec lequel vous ferez la m\u00eame chose et ainsi de suite jusqu\u2019\u00e0 ce qu\u2019il n\u2019y ait plus de retour d\u2019imp\u00f4t \u00e0 investir. La strat\u00e9gie permet alors de cumuler 9 208$, soit 1\u00a0923$ ou 26,38% de plus par ann\u00e9e qu\u2019une simple cotisation de 5000$.<\/p>\n<h2>Hypoth\u00e8se de base<\/h2>\n<p>Salaire annuel : 95 000$<br \/>\nCotisation annuelle au REER : 5 000$<br \/>\nTaux d&rsquo;imposition : 45,7%<br \/>\nR\u00e9investissement du retour d&rsquo;imp\u00f4t \u00e0 la source<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"2825\" data-permalink=\"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/retour\/\" data-orig-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour.jpg\" data-orig-size=\"431,385\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Optimisation du retour d&amp;rsquo;imp\u00f4t\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour-300x268.jpg\" data-large-file=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour.jpg\" class=\"aligncenter wp-image-2825 size-full\" src=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour.jpg\" alt=\"Optimisation du retour d'imp\u00f4t\" width=\"431\" height=\"385\" srcset=\"https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour.jpg 431w, https:\/\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/retour-300x268.jpg 300w\" sizes=\"auto, (max-width: 431px) 100vw, 431px\" \/><\/p>\n<p>Nous pouvons vous offrir<a href=\"https:\/\/milleniumgf.com\/site\/particuliers\/reduction-fardeau-fiscal\/#reduction-fardeau-fiscal\"> d&rsquo;autres strat\u00e9gies pour r\u00e9duire votre fardeau fiscal<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019optimisation du retour d\u2019imp\u00f4t est une strat\u00e9gie pouvant \u00eatre mise en place par toute personne contribuant \u00e0 un REER et qui \u00a0implique un r\u00e9investissement des retours d\u2019imp\u00f4t re\u00e7us, de fa\u00e7on exponentielle jusqu\u2019au dernier dollar. Un exemple concret d&rsquo;optimisation du retour d&rsquo;imp\u00f4t Pour illustrer le concept reportez-vous au tableau ci-dessous; \u00a0un individu qui se verse un [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2826,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[51],"tags":[63,62],"class_list":["post-2824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalite","tag-fiscalite","tag-impot"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L&#039;optimisation du retour d&#039;imp\u00f4t - Groupe Financier Millenium<\/title>\n<meta name=\"description\" content=\"Voici une technique pour optimiser votre investissement en REER et avoir plus d&#039;argent pour votre retraite : l\u2019optimisation du retour d\u2019imp\u00f4t.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&#039;optimisation du retour d&#039;imp\u00f4t - Groupe Financier Millenium\" \/>\n<meta property=\"og:description\" content=\"Voici une technique pour optimiser votre investissement en REER et avoir plus d&#039;argent pour votre retraite : l\u2019optimisation du retour d\u2019imp\u00f4t.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/\" \/>\n<meta property=\"og:site_name\" content=\"Groupe Financier Millenium\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-22T16:53:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/milleniumgf.com\/site\/wp-content\/uploads\/2019\/01\/money-2724241_640.jpg?fit=640%2C432&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"432\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Groupe financier Mill\u00e9nium\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Groupe financier Mill\u00e9nium\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/\",\"url\":\"https:\/\/milleniumgf.com\/site\/2019\/01\/22\/optimisation-du-retour-dimpot\/\",\"name\":\"L'optimisation du retour d'imp\u00f4t - 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