{"id":13289,"date":"2019-04-09T07:55:53","date_gmt":"2019-04-09T11:55:53","guid":{"rendered":"http:\/\/irpp.org\/?post_type=research-studies&#038;p=13289"},"modified":"2022-02-23T10:06:35","modified_gmt":"2022-02-23T15:06:35","slug":"are-low-income-savers-still-in-the-lurch-tfsas-at-10-years","status":"publish","type":"research-studies","link":"https:\/\/irpp.org\/fr\/research-studies\/are-low-income-savers-still-in-the-lurch-tfsas-at-10-years\/","title":{"rendered":"Are Low-Income Savers Still in the Lurch? TFSAs at 10 Years"},"content":{"rendered":"<p>L\u2019instauration en 2009 des comptes d\u2019\u00e9pargne libres d\u2019imp\u00f4t (CELI) a transform\u00e9 les habitudes d\u2019\u00e9pargne des Canadiens. Leur cr\u00e9ation visait notamment \u00e0 procurer aux citoyens \u00e0 faible revenu un instrument qui leur permettrait d\u2019am\u00e9liorer leur revenu de retraite. Dix ans plus tard, beaucoup de ces petits \u00e9pargnants n\u2019utilisent toujours pas les CELI de mani\u00e8re \u00e0 profiter pleinement des programmes de transferts gouvernementaux con\u00e7us pour leur retraite, par exemple le Suppl\u00e9ment de revenu garanti. R\u00e9sultat : les avantages escompt\u00e9s des CELI restent largement inexploit\u00e9s. La sensibilisation du public et une meilleure litt\u00e9ratie financi\u00e8re aideraient sans doute \u00e0 r\u00e9soudre ce probl\u00e8me, mais il serait plus efficace de privil\u00e9gier des incitatifs int\u00e9gr\u00e9s et des ajustements fiscaux.<\/p>","protected":false},"excerpt":{"rendered":"<p>Avantages inexploit\u00e9s des CELI : les Canadiens \u00e0 faible revenu laissent de l\u2019argent sur la table.<\/p>\n","protected":false},"featured_media":13279,"template":"","meta":{"content-type":""},"categories":[91,90],"tags":[726,774],"class_list":["post-13289","research-studies","type-research-studies","status-publish","has-post-thumbnail","hentry","category-featured-research-study-fr","category-home-main-feature-fr","tag-taxation-fr","tag-pension-plan-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Avantages inexploit\u00e9s des CELI : les Canadiens \u00e0 faible revenu laissent de l\u2019argent sur la table .\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/irpp.org\/fr\/research-studies\/are-low-income-savers-still-in-the-lurch-tfsas-at-10-years\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are Low-Income Savers Still in the Lurch? 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