{"id":682,"date":"2026-10-29T00:04:44","date_gmt":"2026-10-29T04:04:44","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=682"},"modified":"2026-10-29T00:04:44","modified_gmt":"2026-10-29T00:04:44","slug":"tfsa-and-fhsa-tax-free-growth-used-wisely","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/tfsa-and-fhsa-tax-free-growth-used-wisely\/","title":{"rendered":"CELI et CELIAPP : une croissance \u00e0 l&#039;abri de l&#039;imp\u00f4t, bien utilis\u00e9e"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"682\" class=\"elementor elementor-682\">\n\t\t\t\t<section class=\"elementor-element elementor-element-b486d78 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"b486d78\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b486d78\">\n    <div class=\"elementor-element elementor-element-ba12460 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"ba12460\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ba12460\">\n    <article class=\"elementor-element elementor-element-2f678f5 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"2f678f5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2f678f5\">\n    <div class=\"elementor-element elementor-element-7cef5a9 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"7cef5a9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7cef5a9\">\n    <div class=\"elementor-element elementor-element-499d4d5 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"499d4d5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"499d4d5\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"649e6c9\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"25b7a4e\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"70fd546\">\n\tOptimisation fiscale\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-cae6a54 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"cae6a54\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cae6a54\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"ba2c552\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e3250ae\">Article 4 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"78f99cf\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"6d5232b\" class=\"title-lg e-heading-base e-default-h1\">CELI et CELIAPP : une croissance \u00e0 l&#039;abri de l&#039;imp\u00f4t, bien utilis\u00e9e<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"8dfdc18\" id=\"34\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1024x757.webp\" width=\"1024\" height=\"757\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1024x757.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-300x222.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-768x568.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1536x1136.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-16x12.webp 16w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-600x444.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71.webp 1600w\" alt=\"Illustration for the article: Mortgages 101: Borrowing to Buy a Home in Canada\"\/>\t\t<div class=\"elementor-element elementor-element-63691d9 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"63691d9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"63691d9\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"9e6aef1\">Si le REER vous offre un avantage fiscal imm\u00e9diat, le CELI et le CAF sont ax\u00e9s sur une croissance \u00e0 l&#039;abri de l&#039;imp\u00f4t.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"776c15f\" class=\"prose-heading e-heading-base e-default-h2\">L&#039;avantage du CELI<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-28962bf e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"28962bf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"28962bf\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"e0ed184\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"227ba30\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"1fc212e\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-7b40886 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"7b40886\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7b40886\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"4220547\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"d88ef03\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-02a028f e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"02a028f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"02a028f\">\n    <a class=\"elementor-element elementor-element-ee7f421 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"ee7f421\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ee7f421\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/the-rrsp-as-a-tax-tool\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"5ccca56\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"ce3f079\">Le REER comme outil fiscal<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-779dd1a e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"779dd1a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"779dd1a\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/student-tax-tips-credits-that-pay-off-later\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"ca601d4\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"609e7b2\">Conseils fiscaux pour \u00e9tudiants\u00a0: des cr\u00e9dits qui portent leurs fruits plus tard<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-da3b003 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"da3b003\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"da3b003\">\n    <div class=\"elementor-element elementor-element-a95d291 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"a95d291\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a95d291\">\n    <div class=\"elementor-element elementor-element-674529c e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"674529c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"674529c\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"02bb68d\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"4dcc852\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-5c2c955 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5c2c955\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5c2c955\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/how-canadian-income-tax-works-and-what-tax-optimization-really-means\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1545380\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"575aae7\">Comment fonctionne l\u2019imp\u00f4t sur le revenu au Canada (et ce que signifie r\u00e9ellement \u201c l\u2019optimisation fiscale \u201d)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e324060 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e324060\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e324060\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/deductions-vs-credits-which-saves-you-more\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2279492\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9a89f7f\">D\u00e9ductions ou cr\u00e9dits\u00a0: lequel vous permet d\u2019\u00e9conomiser le plus\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7fcd316 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7fcd316\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7fcd316\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/the-rrsp-as-a-tax-tool\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"212e642\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4eea1ef\">Le REER comme outil fiscal<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0979d7e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0979d7e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0979d7e\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/tfsa-and-fhsa-tax-free-growth-used-wisely\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a9f50b7\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"2d11b27\">CELI et CELIAPP : une croissance \u00e0 l&#039;abri de l&#039;imp\u00f4t, bien utilis\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f19bc81 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f19bc81\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f19bc81\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/student-tax-tips-credits-that-pay-off-later\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"460a970\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"edaf5a6\">Conseils fiscaux pour \u00e9tudiants\u00a0: des cr\u00e9dits qui portent leurs fruits plus tard<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-dcffccc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"dcffccc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dcffccc\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/new-to-canada-tax-essentials-for-newcomers\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1d4998e\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f443ee3\">Vous venez d&#039;arriver au Canada\u00a0? Les notions fiscales essentielles pour les nouveaux arrivants<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-eea24dc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"eea24dc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eea24dc\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/professionals-tax-moves-for-employees-and-the-self-employed\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1dac636\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"8815daf\">Professionnels\u00a0: Mesures fiscales pour les salari\u00e9s et les travailleurs ind\u00e9pendants<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-c25b120 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c25b120\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c25b120\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/how-your-investments-are-taxed\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"738fa1f\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f27c1ee\">Comment vos investissements sont impos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5e18763 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5e18763\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5e18763\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/pre-retirees-keep-more-of-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"92196ad\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"cafa4d6\">Pr\u00e9retrait\u00e9s\u00a0: conservez une plus grande partie de vos revenus de retraite<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3d0d8ae e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3d0d8ae\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3d0d8ae\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/credits-benefits-and-common-filing-mistakes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d3dd2e5\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4fdc128\">Cr\u00e9dits d&#039;imp\u00f4t, avantages sociaux et erreurs courantes de d\u00e9claration<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"67e0a20\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Tax Optimization Premium Article 4 of 10 2 min read TFSA and FHSA: Tax-Free Growth, Used Wisely If [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":678,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-682","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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