{"id":577,"date":"2026-02-04T08:53:01","date_gmt":"2026-02-04T08:53:01","guid":{"rendered":"https:\/\/dev-benefits2024.pantheonsite.io\/fr-ca\/?page_id=577"},"modified":"2026-02-23T19:10:44","modified_gmt":"2026-02-23T19:10:44","slug":"regime-de-retraite-et-depargne","status":"publish","type":"page","link":"https:\/\/benefits.aecom.com\/fr-ca\/all-benefits\/regime-de-retraite-et-depargne\/","title":{"rendered":"R\u00e9gime de retraite et d\u2019\u00e9pargne"},"content":{"rendered":"\n<div class=\"wp-block-columns sticky-sidebar-container is-layout-flex wp-container-core-columns-is-layout-cbe57604 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.667%\">\n<p>Le R\u00e9gime de retraite et d\u2019\u00e9pargne d\u2019AECOM Canada,&nbsp;administr\u00e9 par Sun Life, comprend le R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (RRCD), le R\u00e9gime enregistr\u00e9&nbsp;d\u2019\u00e9pargne-retraite collectif (REER collectif) et le Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI).&nbsp;<\/p>\n\n\n\n<p>Le R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (RRCD) est le seul r\u00e9gime qui comprend une cotisation d\u2019AECOM.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"R\u00e9gime-de\" class=\"  \"><strong><a href=\"#R\u00e9gime-de\" data-type=\"internal\" data-id=\"#R\u00e9gime-de\">R\u00e9gime de retraite \u00e0 cotisation d\u00e9termin\u00e9e <\/a>(RRCD)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><strong><a href=\"#R\u00e9gime-enregistr\u00e9\" data-type=\"internal\" data-id=\"#R\u00e9gime-enregistr\u00e9\">R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif<\/a> (REER)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><strong><a href=\"#Compte-d\u2019\u00e9pargne\" data-type=\"internal\" data-id=\"#Compte-d\u2019\u00e9pargne\">Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t <\/a>(CELI)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"#Plafonds-de\" data-type=\"internal\" data-id=\"#Plafonds-de\"><strong>Plafonds de cotisation<\/strong>&nbsp;<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>R\u00e9gime de retraite \u00e0 cotisation d\u00e9termin\u00e9e (RRCD)<\/strong>&nbsp;<\/p>\n\n\n\n<p>AECOM verse \u00e0 votre compte une somme \u00e9gale \u00e0 2 % de votre salaire de base \u00e0 chaque paie. De plus, si vous versez des cotisations au RRCD (jusqu\u2019\u00e0 4 % de votre salaire), AECOM versera un compl\u00e9ment \u00e9quivalent \u00e0 50 % de ces cotisations (jusqu\u2019\u00e0 4 % de votre salaire au total).&nbsp;&nbsp;<\/p>\n\n\n\n<p>Par exemple :&nbsp;<\/p>\n\n\n\n<p>Cotisations de base d\u2019AECOM : 2 %&nbsp;<\/p>\n\n\n\n<p>Votre cotisation : 4 %&nbsp;<\/p>\n\n\n\n<p>Compl\u00e9ment d\u2019AECOM : 2 %&nbsp;<\/p>\n\n\n\n<p>Cotisation totale au RRCD : 8 % de votre salaire admissible&nbsp;<\/p>\n\n\n\n<p>Il y a une p\u00e9riode d\u2019attente de six mois pour les employ\u00e9s temporaires et&nbsp;occasionnels.&nbsp;<\/p>\n\n\n\n<p>Toutes les cotisations au RRCD sont consid\u00e9r\u00e9es comme immobilis\u00e9es. Vous ne pouvez retirer cet argent que lorsque vous prenez votre retraite.&nbsp;&nbsp;<\/p>\n\n\n\n<p id=\"R\u00e9gime-enregistr\u00e9\"><strong>R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif (REER)<\/strong>&nbsp;<\/p>\n\n\n\n<p>Le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite collectif (REER) vous permet de mettre de c\u00f4t\u00e9 jusqu\u2019\u00e0 10 % de vos revenus, sous r\u00e9serve des limites pr\u00e9vues par la Loi de l\u2019imp\u00f4t sur le revenu.&nbsp;&nbsp;<\/p>\n\n\n\n<p>AECOM ne verse aucune cotisation au REER.&nbsp;<\/p>\n\n\n\n<p><strong>Affectez&nbsp;votre prime dans votre&nbsp;REER<\/strong>&nbsp;<\/p>\n\n\n\n<p>Il y a un nouveau processus pour\u00a0affecter\u00a0votre\u00a0prime au REER.\u00a0Au lieu de remplir le formulaire d\u2019autorisation REER de la paie, les employ\u00e9s demanderont d\u00e9sormais que leur prime soit transf\u00e9r\u00e9e\u00a0\u00e0\u00a0leur REER en se connectant\u00a0\u00e0\u00a0leur compte Sun Life et en utilisant l\u2019outil\u00a0d\u2019affectation de la prime. Pour apprendre\u00a0comment affecter votre prime en ligne,\u00a0<a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/Canada-FR\/retirement_and_savings_plan\/affectez_prime_au_reer.pdf\" data-type=\"link\" data-id=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/Canada-FR\/retirement_and_savings_plan\/affectez_prime_au_reer.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">cliquez ici<\/a>.\u00a0<\/p>\n\n\n\n<p><strong>Date limite<\/strong>&nbsp;<strong>d\u2019affectation de la prime<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pour garantir le traitement de l\u2019affectation de votre prime \u00e0 votre REER, veuillez soumettre votre demande avant la date limite.&nbsp;Si vous avez des questions concernant la date limite, veuillez communiquer avec PayrollCanada@aecom.com.&nbsp;<\/p>\n\n\n\n<p>Si la demande n\u2019est pas trait\u00e9e \u00e0 temps, votre prime sera vers\u00e9e en totalit\u00e9 lors de la prochaine paie.&nbsp;<\/p>\n\n\n\n<p>Les primes ne peuvent pas \u00eatre transf\u00e9r\u00e9es au R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (RRCD) d\u2019AECOM. Elles peuvent uniquement \u00eatre transf\u00e9r\u00e9es au R\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne\u2011retraite (REER) d\u2019AECOM.&nbsp;&nbsp;<\/p>\n\n\n\n<p id=\"Compte-d\u2019\u00e9pargne\"><strong>Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/strong>&nbsp;<\/p>\n\n\n\n<p>Le Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI) est un compte d\u2019\u00e9pargne polyvalent auquel vous pouvez cotiser apr\u00e8s imp\u00f4t, jusqu\u2019au maximum permis chaque ann\u00e9e par la Loi de l\u2019imp\u00f4t sur le revenu.&nbsp;<\/p>\n\n\n\n<p>Il n\u2019y a aucune cotisation de l\u2019employeur au CELI.&nbsp;<\/p>\n\n\n\n<p id=\"Plafonds-de\"><strong>Plafonds de cotisation:&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p><strong>RRCD:<\/strong>&nbsp;AECOM fait le suivi pour vous. Les cotisations que votre employeur verse au RRCD seront indiqu\u00e9es chaque&nbsp;ann\u00e9e sur votre feuillet T4. Cette somme est prise en compte dans la d\u00e9termination de votre facteur d\u2019\u00e9quivalence (FE).&nbsp;&nbsp;<\/p>\n\n\n\n<p>Votre FE r\u00e9duira les cotisations que vous pourrez verser \u00e0 votre REER l\u2019ann\u00e9e suivante.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>REER:<\/strong>&nbsp;Vous devez conna\u00eetre votre plafond de cotisation et vous assurer de le respecter. N\u2019oubliez pas qu\u2019il s\u2019applique \u00e0 l\u2019ensemble des REER que vous poss\u00e9dez, y compris les REER de conjoint. Vous le trouverez sur le plus r\u00e9cent avis de<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column sticky-sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<section class=\"wp-block-cover quick-links\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-midnight-teal-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-e158748c wp-block-cover-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left\" style=\"font-size:24px\"><strong>Liens connexes<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/Canada-FR\/retirement_and_savings_plan\/aper%C3%A7u_du_r%C3%A9gime.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Aper\u00e7u du r\u00e9gime&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/Canada-FR\/retirement_and_savings_plan\/guide_commencez_%C3%A0_%C3%A9pargner.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guide&nbsp;commencez&nbsp;\u00e0&nbsp;\u00e9pargner<\/a>&nbsp;<\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_contact\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-stone-gray-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><style>\n\t\t.vendor-directory-fields {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-name {\n\t\t\tmargin: 0 0 12px 0;\n\t\t\tfont-size: 1.5em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-description {\n\t\t\tmargin: 0 0 20px 0;\n\t\t\tfont-size: 1em;\n\t\t\tline-height: 1.6;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tdisplay: flex;\n\t\t\tgap: 20px;\n\t\t\tflex-wrap: wrap;\n\t\t\talign-items: stretch;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tflex: 1;\n\t\t\tmin-width: 140px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge {\n\t\t\tmargin: 0 !important;\n\t\t\tpadding: 0;\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge a,\n\t\t.vendor-directory-fields .vendor-app-badge-link {\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t\tmargin: 0;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge img,\n\t\t.vendor-directory-fields .vendor-app-badge-image {\n\t\t\twidth: 100% !important;\n\t\t\tmax-width: 100% !important;\n\t\t\theight: auto !important;\n\t\t\tdisplay: block;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields figure.vendor-app-badge {\n\t\t\twidth: 100%;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-label {\n\t\t\tmargin: 0 0 8px 0;\n\t\t\tfont-size: 1.25em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field {\n\t\t\tmargin-bottom: 12px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field strong {\n\t\t\tdisplay: block;\n\t\t\tmargin-bottom: 4px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-content {\n\t\t\tline-height: 1.5;\n\t\t}\n\t<\/style><div class=\"vendor-directory-fields\" data-vendor-id=\"501\" data-field-group=\"vendor_contact\"><div class=\"vendor-contact-content\"><div class=\"vendor-contact-fields\"><div class=\"vendor-contact-field vendor-contact-field--vendor_contact_info\"><h3 class=\"vendor-contact-field-label\">Contact<\/h3><div class=\"vendor-contact-field-content\"><p><span data-contrast=\"auto\">La Financi\u00e8re Sun Life est notre administrateur du r\u00e9gime de retraite et d\u2019\u00e9pargne (RRCD\/REER\/CELI).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"><strong>T\u00e9l\u00e9phone:<\/strong> Sun Life Customer Care Centre <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">866.896.6976<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">(Lundi au vendredi, de 8 h \u00e0 20 h, heure de l\u2019Est)<\/span><\/p>\n<p><strong>Site Web: <\/strong><a href=\"http:\/\/www.mysunlife.ca\/aecom\"><span data-contrast=\"none\">masunlife.ca\/aecom<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_app\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-100 has-background-dim\" style=\"background-color:#e3e3e3\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><div class=\"vendor-directory-fields\" data-vendor-id=\"501\" data-field-group=\"vendor_app\"><h3 class=\"wp-block-heading vendor-app-name\">Financi\u00e8re Sun Life\u00a0\u00a0<\/h3><div class=\"wp-block-columns vendor-app-links\"><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--appstore\"><a href=\"https:\/\/apps.apple.com\/ca\/app\/ma-sun-life-canada\/id453274313?l=fr-\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/fr-ca\/wp-content\/uploads\/sites\/4\/2024\/08\/Download_on_the_App_Store_Badge-copy.webp\" alt=\"Download on the App Store\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--googleplay\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.sunlife.ca.mysunlife&#038;hl=fr&#038;utm_source=sunlifeCA&#038;utm_medium=web&#038;utm_campaign=landing_static\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/fr-ca\/wp-content\/uploads\/sites\/4\/2024\/08\/Get_it_on_Google_Play-copy.webp\" alt=\"Get it on Google Play\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le R\u00e9gime de retraite et d\u2019\u00e9pargne d\u2019AECOM Canada,&nbsp;administr\u00e9 par Sun Life, comprend le R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (RRCD), le R\u00e9gime enregistr\u00e9&nbsp;d\u2019\u00e9pargne-retraite collectif (REER collectif) et le Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI).&nbsp; Le R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (RRCD) est le seul r\u00e9gime qui comprend une cotisation d\u2019AECOM.&nbsp; R\u00e9gime de retraite \u00e0 cotisation [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-blank-container.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-577","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/pages\/577","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/comments?post=577"}],"version-history":[{"count":13,"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/pages\/577\/revisions"}],"predecessor-version":[{"id":1186,"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/pages\/577\/revisions\/1186"}],"up":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/pages\/17"}],"wp:attachment":[{"href":"https:\/\/benefits.aecom.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}