{"id":5815,"date":"2021-06-01T16:36:53","date_gmt":"2021-06-01T20:36:53","guid":{"rendered":"https:\/\/srdc.u7wpdev.com\/project\/economic-feasibility-of-education-savings-options-final-report\/"},"modified":"2023-01-23T10:30:37","modified_gmt":"2023-01-23T15:30:37","slug":"faisabilite-economique-des-options-depargne-etudes-rapport-final","status":"publish","type":"project","link":"https:\/\/www.srdc.org\/fr\/project\/faisabilite-economique-des-options-depargne-etudes-rapport-final\/","title":{"rendered":"Faisabilit\u00e9 \u00e9conomique des options d\u2019\u00e9pargne-\u00e9tudes : Rapport final"},"content":{"rendered":"

Au cours des deux derni\u00e8res d\u00e9cennies, le Canada et plusieurs provinces ont fait la promotion de l\u2019\u00e9pargne-\u00e9tudes comme l\u2019une de leurs principales politiques pour aider les jeunes Canadiens \u00e0 acc\u00e9der aux \u00e9tudes postsecondaires. Le principal v\u00e9hicule d\u2019\u00e9pargne-\u00e9tudes est le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-\u00e9tudes (REEE), qui est \u00e0 la base des programmes canadiens pour l\u2019\u00e9pargne-\u00e9tudes (PCEE).<\/p>\n

Les REEE permettent aux placements et \u00e0 l\u2019\u00e9pargne de cro\u00eetre \u00e0 l\u2019abri de l\u2019imp\u00f4t jusqu\u2019\u00e0 leur retrait. Pour inciter les d\u00e9tenteurs de REEE \u00e0 \u00e9pargner chaque ann\u00e9e, le gouvernement f\u00e9d\u00e9ral offre une Subvention canadienne pour l\u2019\u00e9pargne-\u00e9tudes (SCEE) qui fournit un compl\u00e9ment d\u2019\u00e9pargne de 20\u00a0% par ann\u00e9e. Les familles \u00e0 faible revenu qui d\u00e9tiennent un REEE peuvent \u00eatre admissibles \u00e0 des incitatifs suppl\u00e9mentaires pour \u00e9pargner gr\u00e2ce au montant suppl\u00e9mentaire de la Subvention canadienne pour l\u2019\u00e9pargne-\u00e9tudes et du Bon d\u2019\u00e9tudes canadien (BEC).<\/p>\n

Le BEC est offert aux b\u00e9n\u00e9ficiaires de REEE de familles \u00e0 faible revenu n\u00e9s le 1er\u00a0janvier\u00a02004 ou apr\u00e8s. Le BEC pr\u00e9voit un versement initial de 500\u00a0$, et de 100\u00a0$ pour chaque ann\u00e9e d\u2019admissibilit\u00e9 subs\u00e9quente, jusqu\u2019\u00e0 l\u2019ann\u00e9e d\u2019admissibilit\u00e9 au cours de laquelle le b\u00e9n\u00e9ficiaire atteint l\u2019\u00e2ge de 15\u00a0ans, jusqu\u2019\u00e0 concurrence de 2\u00a0000\u00a0$.<\/p>\n

L\u2019admissibilit\u00e9 annuelle est d\u00e9termin\u00e9e par le revenu rajust\u00e9 du principal fournisseur de soins du b\u00e9n\u00e9ficiaire au cours de l\u2019ann\u00e9e pr\u00e9c\u00e9dente, et la principale mesure \u00e0 prendre par le fournisseur de soins du b\u00e9n\u00e9ficiaire pour recevoir le BEC est d\u2019ouvrir un compte REEE. Le montant suppl\u00e9mentaire de la SCEE repr\u00e9sente 10\u00a0% ou 20\u00a0% de plus sur la premi\u00e8re tranche de 500\u00a0$ cotis\u00e9e \u00e0 un REEE chaque ann\u00e9e, le taux de cotisation de contrepartie \u00e9tant d\u00e9termin\u00e9 par le revenu familial de l\u2019ann\u00e9e en question.<\/p>\n

Rapport disponible en anglais seulement.<\/em><\/p>\n","protected":false},"featured_media":12258,"template":"","capabilities":[271],"populations":[285,287],"publication_types":[291],"publication_themes":[],"policy_area":[292,310,311],"class_list":["post-5815","project","type-project","status-publish","has-post-thumbnail","hentry","capabilities-analyse-des-impacts-socioeconomiques","populations-eleves-etudiants","populations-jeunesse","publication_types-rapport-final","policy_area-education-postsecondaire","policy_area-accessibilite-et-persistance","policy_area-aide-financiere-aux-etudiants"],"acf":[],"yoast_head":"\nFaisabilit\u00e9 \u00e9conomique des options d\u2019\u00e9pargne-\u00e9tudes : Rapport final - SRDC<\/title>\n<meta name=\"description\" content=\"Au cours des deux derni\u00e8res d\u00e9cennies, le Canada et plusieurs provinces ont fait la promotion de l\u2019\u00e9pargne-\u00e9tudes comme l\u2019une de leurs principales politiques pour aider les jeunes Canadiens \u00e0 acc\u00e9der aux \u00e9tudes postsecondaires.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.srdc.org\/fr\/project\/faisabilite-economique-des-options-depargne-etudes-rapport-final\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faisabilit\u00e9 \u00e9conomique des options d\u2019\u00e9pargne-\u00e9tudes : Rapport final - 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