{"id":3311,"date":"2021-04-22T13:47:02","date_gmt":"2021-04-22T17:47:02","guid":{"rendered":"https:\/\/thepayrolledge.com\/blog\/quelle-est-la-difference-entre-un-401k-americain-et-un-reer-canadien-mis-a-jour-en-2021\/"},"modified":"2026-06-10T19:20:41","modified_gmt":"2026-06-10T19:20:41","slug":"whats-the-difference-between-an-american-401-k-a-canadian-rrsp","status":"publish","type":"post","link":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/","title":{"rendered":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021)"},"content":{"rendered":"<p>En tant qu\u2019employeur, vous connaissez l\u2019importance d\u2019offrir des avantages pr\u00e9cieux \u00e0 vos employ\u00e9s. Un r\u00e9gime de retraite peut vous aider \u00e0 attirer les meilleurs talents en augmentant la r\u00e9mun\u00e9ration totale et en offrant aux employ\u00e9s une s\u00e9curit\u00e9 de retraite. Cela peut vous aider \u00e0 obtenir un avantage concurrentiel et \u00e0 augmenter la loyaut\u00e9 et la r\u00e9tention des employ\u00e9s.  <\/p>\n<p><!--more--><\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-c7dc60e3-5358-4a3a-afe2-d37fa537c6aa\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-c7dc60e3-5358-4a3a-afe2-d37fa537c6aa\" class=\"hs-cta-node hs-cta-c7dc60e3-5358-4a3a-afe2-d37fa537c6aa\" style=\"visibility: visible;\" data-hs-drop=\"true\"><a id=\"cta_button_229897_fb7cfc62-6de8-4eab-9ea0-f599701dcd09\" class=\"cta_button \" title=\"T\u00e9l\u00e9chargez d\u00e8s aujourd\u2019hui \u00ab 12 diff\u00e9rences \u00e0 attendre lors de l\u2019expansion au Canada \u00bb!\" href=\"https:\/\/thepayrolledge.com\/fr-ca\/blog\/12-differences-to-expect-when-expanding-into-canada\/\">T\u00e9l\u00e9chargez d\u00e8s aujourd\u2019hui \u00ab 12 diff\u00e9rences \u00e0 attendre lors de l\u2019expansion au Canada \u00bb!<\/a><\/span><\/span><br \/><!-- end HubSpot Call-to-Action Code --><\/p>\n<p>Si vous \u00eates un employeur aux \u00c9tats-Unis qui pr\u00e9voit<a href=\"https:\/\/thepayrolledge.com\/fr-ca\/blog\/how-to-successfully-expand-your-business-into-canada-the-ultimate-guide\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">s\u2019\u00e9tendre au Canada<\/span><\/a> ou embaucher des employ\u00e9s canadiens \u00e0 distance, vous pourriez vouloir offrir \u00e0 vos nouveaux travailleurs canadiens un 401(k), surtout si vous offrez cet avantage \u00e0 vos employ\u00e9s am\u00e9ricains. Qu\u2019est-ce qu\u2019un 401(k) au Canada? L\u2019\u00e9quivalent canadien du 401(k) est le R\u00e9gime d\u2019\u00e9pargne-retraite enregistr\u00e9 (REER). Voici ce que vous devriez savoir sur les similarit\u00e9s et les diff\u00e9rences entre les deux.   <\/p>\n<h2><strong><span style=\"font-size: 23px;\">401(k) vs REER : Similarit\u00e9s<\/span><\/strong><\/h2>\n<p>Le REER canadien et le 401(k) am\u00e9ricain sont tous deux des r\u00e9gimes de retraite. Ils offrent aux employ\u00e9s au Canada et aux \u00c9tats-Unis une fa\u00e7on diff\u00e9r\u00e9e d\u2019imp\u00f4t pour investir et faire cro\u00eetre leurs fonds de retraite. Les employ\u00e9s peuvent choisir un r\u00e9gime qui leur permet d\u2019investir dans une gamme diversifi\u00e9e d\u2019investissements, comme des fonds communs de placement, des actions et des GIC. Les deux r\u00e9gimes ont des plafonds annuels de cotisation.   <\/p>\n<h2><strong><span style=\"font-size: 23px;\">401(k) vs REER : Diff\u00e9rences<\/span><\/strong><\/h2>\n<p>M\u00eame si on peut dire que le 401(k) est l\u2019\u00e9quivalent am\u00e9ricain du REER et vice versa, ces r\u00e9gimes ne sont pas identiques.<\/p>\n<p>Voici en quoi elles diff\u00e8rent :<\/p>\n<ul>\n<li><span style=\"font-size: 18px;\">1. Alors qu\u2019un employ\u00e9 serait impos\u00e9 \u00e0 10% \u00e9lev\u00e9 pour des retraits anticip\u00e9s aux \u00c9tats-Unis, les employ\u00e9s au Canada ne font pas face \u00e0 des p\u00e9nalit\u00e9s de retrait anticip\u00e9 sur un compte REER canadien. Cependant, ils seront impos\u00e9s sur leurs retraits. <\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: 18px;\">2. Les limites de cotisation du REER non utilis\u00e9<a href=\"https:\/\/www.wealthsimple.com\/en-ca\/learn\/unused-rrsp-contributions\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">peuvent \u00eatre report\u00e9es<\/span><\/a> \u00e0 l\u2019ann\u00e9e suivante, tandis qu\u2019un r\u00e9gime 401(k) a une politique \u00ab utilisez-le ou perdez-le \u00bb.<\/span><\/li>\n<li> <\/li>\n<li><span style=\"font-size: 18px;\">3. La limite du montant des cotisations est diff\u00e9rente selon le r\u00e9gime. Au Canada, le<a href=\"https:\/\/www.sunrisecu.mb.ca\/Personal\/Banking\/Savings-Accounts\/RRSP\/RRSP-Contribution-Limit\/#:~:text=For%20the%202021%20taxation%20year,use%20in%20any%20particular%20year.\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">plafond de cotisation REER<\/span><\/a> repr\u00e9sente 18% de votre revenu gagn\u00e9 l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Il y a un maximum de 27 830 $ pour l\u2019ann\u00e9e fiscale 2021 et de 29 210 $ pour l\u2019ann\u00e9e fiscale 2022, sans compter les plafonds de contribution REER report\u00e9s des ann\u00e9es pr\u00e9c\u00e9dentes. La<a href=\"https:\/\/www.shrm.org\/ResourcesAndTools\/tools-and-samples\/exreq\/Pages\/Details.aspx?erid=486#:~:text=Employee%20401(k)%20contributions%20for,turning%20age%2050%20or%20older.\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">limite annuelle de cotisation en 2021 pour un r\u00e9gime am\u00e9ricain 401(k) est de 19 500 $<\/span><\/a> pour tous, peu importe leur revenu.   <\/span><\/li>\n<li> <\/li>\n<li><span style=\"font-size: 18px;\">4. Apr\u00e8s l\u2019\u00e2ge de 50 ans, les employ\u00e9s am\u00e9ricains re\u00e7oivent une marge de contribution suppl\u00e9mentaire de 6 000 $, portant le maximum de contribution en 2021 \u00e0 25 500 $ pour les plus de 50 ans. D\u2019un autre c\u00f4t\u00e9, le REER du Canada ne permet pas aux employ\u00e9s de \u00ab rattraper \u00bb des niveaux de cotisation plus \u00e9lev\u00e9s apr\u00e8s l\u2019\u00e2ge de 50 ans. <\/span><\/li>\n<li> <\/li>\n<li><span style=\"font-size: 18px;\">5. Les Am\u00e9ricains ne peuvent pas ouvrir leurs propres comptes 401(k); ils doivent \u00eatre g\u00e9r\u00e9s par un employeur, alors que les employ\u00e9s au Canada peuvent et cr\u00e9ent souvent leurs propres REER. Cependant, il n\u2019est pas obligatoire pour les employeurs d\u2019\u00e9galer leurs cotisations si les employ\u00e9s choisissent de mettre en place leurs propres r\u00e9gimes. <\/span><\/li>\n<\/ul>\n<p>Comme vous pouvez le voir, il existe de nombreuses similitudes ainsi que des diff\u00e9rences entre le r\u00e9gime am\u00e9ricain 401(k) et le r\u00e9gime canadien d\u2019\u00e9pargne-retraite enregistr\u00e9 (REER).<\/p>\n<h2><strong><span style=\"font-size: 23px;\">Comment offrir un REER au Canada<\/span><\/strong><\/h2>\n<p>Cr\u00e9er un REER pour les employ\u00e9s canadiens n\u2019est pas obligatoire, pas plus que les cotisations de contrepartie si un employ\u00e9 choisit de cr\u00e9er son propre REER. Cependant, c\u2019est un avantage pr\u00e9cieux \u00e0 offrir afin d\u2019attirer et de retenir les meilleurs talents du pays. <\/p>\n<p>Le processus de mise en place d\u2019un programme de contrepartie des employ\u00e9s REER est plus simple que de mettre en place un programme 401(k), mais vous devrez d\u2019abord avoir les diff\u00e9rents comptes gouvernementaux canadiens en place pour traiter les d\u00e9ductions sur la paie et les envois de versement. Cela signifie que vous devrez enregistrer une entreprise au Canada, faire une demande pour les diff\u00e9rents comptes gouvernementaux, puis mettre en place le r\u00e9gime d\u2019avantages sociaux que vous souhaitez offrir \u00e0 votre main-d\u2019\u0153uvre canadienne. Cela peut \u00eatre un processus lourd et long. Heureusement, vous pouvez sauter ces \u00e9tapes en<a href=\"\/employer-of-record-services\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">vous associant \u00e0 un employeur canadien responsable (EOR) comme The Payroll Edge<\/span><\/a>.   <\/p>\n<p>Cela vous permet d\u2019utiliser l\u2019infrastructure d\u00e9j\u00e0 existante de l\u2019EOR au Canada pour commencer. Travailler avec un EOR vous permet \u00e9galement de rester conforme \u00e0 la l\u00e9gislation canadienne du travail et d\u2019offrir \u00e0 vos travailleurs canadiens d\u2019excellentes options de prestations sociales, y compris un programme de contrepartie des employ\u00e9s REER. <a href=\"\/request-a-quote\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #1155cc; text-decoration: underline;\">Contactez-nous<\/span><\/a> pour en savoir plus! <\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-90f2d9d2-7353-4f4c-a0db-74dcb74ded2c\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-90f2d9d2-7353-4f4c-a0db-74dcb74ded2c\" class=\"hs-cta-node hs-cta-90f2d9d2-7353-4f4c-a0db-74dcb74ded2c\" style=\"visibility: visible;\" data-hs-drop=\"true\"><a id=\"cta_button_229897_e9249d2d-6199-4b1e-84ed-aae94b8c4ccf\" class=\"cta_button\" href=\"https:\/\/thepayrolledge.com\/fr-ca\/blog\/12-differences-to-expect-when-expanding-into-canada\/\"><img decoding=\"async\" id=\"hs-cta-img-90f2d9d2-7353-4f4c-a0db-74dcb74ded2c\" class=\"hs-cta-img \" style=\"border-width: 0px;\" src=\"http:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/426e9a88-a670-454a-aef3-58d24f876a41-Jun-03-2024-06-23-42-7596-PM.png\" alt=\"Blogue-cta-12-diff\u00e9rences-\u00e0-attendre-lorsqu\u2019on s\u2019\u00e9tend au Canada\"><\/a><\/span><\/span><br \/><!-- end HubSpot Call-to-Action Code --><\/p>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En tant qu\u2019employeur, vous connaissez l\u2019importance d\u2019offrir des avantages pr\u00e9cieux \u00e0 vos employ\u00e9s. Un r\u00e9gime de retraite peut vous aider \u00e0 attirer les meilleurs talents en augmentant la r\u00e9mun\u00e9ration totale et en offrant aux employ\u00e9s une s\u00e9curit\u00e9 de retraite. Cela peut vous aider \u00e0 obtenir un avantage concurrentiel et \u00e0 augmenter la loyaut\u00e9 et la [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":3312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[315,316],"tags":[],"class_list":["post-3311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emploi-transfrontalier","category-remuneration-des-travailleurs-internationaux"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge<\/title>\n<meta name=\"description\" content=\"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge\" \/>\n<meta property=\"og:description\" content=\"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/\" \/>\n<meta property=\"og:site_name\" content=\"The Payroll Edge\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-22T17:47:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-10T19:20:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"340\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"The Payroll Edge\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Payroll Edge\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/\"},\"author\":{\"name\":\"The Payroll Edge\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#\\\/schema\\\/person\\\/6c52001b33d7d393cce739badfd8cbcf\"},\"headline\":\"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021)\",\"datePublished\":\"2021-04-22T17:47:02+00:00\",\"dateModified\":\"2026-06-10T19:20:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/\"},\"wordCount\":847,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg\",\"articleSection\":[\"Emploi transfrontalier\",\"R\u00e9mun\u00e9ration des travailleurs internationaux\"],\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/\",\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/\",\"name\":\"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg\",\"datePublished\":\"2021-04-22T17:47:02+00:00\",\"dateModified\":\"2026-06-10T19:20:41+00:00\",\"description\":\"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#primaryimage\",\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg\",\"contentUrl\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg\",\"width\":1200,\"height\":340},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#website\",\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/\",\"name\":\"The Payroll Edge\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#organization\",\"name\":\"The Payroll Edge\",\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/6df35c0b9881b9ea16d237f199ea249f385a0fb1-scaled.png\",\"contentUrl\":\"https:\\\/\\\/thepayrolledge.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/6df35c0b9881b9ea16d237f199ea249f385a0fb1-scaled.png\",\"width\":2560,\"height\":769,\"caption\":\"The Payroll Edge\"},\"image\":{\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/#\\\/schema\\\/person\\\/6c52001b33d7d393cce739badfd8cbcf\",\"name\":\"The Payroll Edge\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g\",\"caption\":\"The Payroll Edge\"},\"sameAs\":[\"https:\\\/\\\/thepayrolledge.com\"],\"url\":\"https:\\\/\\\/thepayrolledge.com\\\/fr-ca\\\/blog\\\/author\\\/the-payroll-edge\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge","description":"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/","og_locale":"fr_CA","og_type":"article","og_title":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge","og_description":"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!","og_url":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/","og_site_name":"The Payroll Edge","article_published_time":"2021-04-22T17:47:02+00:00","article_modified_time":"2026-06-10T19:20:41+00:00","og_image":[{"width":1200,"height":340,"url":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg","type":"image\/jpeg"}],"author":"The Payroll Edge","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"The Payroll Edge","Estimation du temps de lecture":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#article","isPartOf":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/"},"author":{"name":"The Payroll Edge","@id":"https:\/\/thepayrolledge.com\/fr-ca\/#\/schema\/person\/6c52001b33d7d393cce739badfd8cbcf"},"headline":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021)","datePublished":"2021-04-22T17:47:02+00:00","dateModified":"2026-06-10T19:20:41+00:00","mainEntityOfPage":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/"},"wordCount":847,"commentCount":0,"publisher":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/#organization"},"image":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#primaryimage"},"thumbnailUrl":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg","articleSection":["Emploi transfrontalier","R\u00e9mun\u00e9ration des travailleurs internationaux"],"inLanguage":"fr-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/","url":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/","name":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021) - The Payroll Edge","isPartOf":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#primaryimage"},"image":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#primaryimage"},"thumbnailUrl":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg","datePublished":"2021-04-22T17:47:02+00:00","dateModified":"2026-06-10T19:20:41+00:00","description":"401(k) vs REER : D\u00e9couvrez les perspectives de The Payroll Edge sur les r\u00e9gimes de retraite pour aider les employeurs \u00e0 attirer les meilleurs talents. Prenez des d\u00e9cisions \u00e9clair\u00e9es d\u00e8s aujourd\u2019hui!","breadcrumb":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/"]}]},{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#primaryimage","url":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg","contentUrl":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/05\/Whats-the-Difference-Between-an-American-401k-_-a-Canadian-RRSP_Blog-2.jpg","width":1200,"height":340},{"@type":"BreadcrumbList","@id":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/whats-the-difference-between-an-american-401-k-a-canadian-rrsp\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/thepayrolledge.com\/fr-ca\/"},{"@type":"ListItem","position":2,"name":"Quelle est la diff\u00e9rence entre un 401(k) am\u00e9ricain et un REER canadien? (Mis \u00e0 jour en 2021)"}]},{"@type":"WebSite","@id":"https:\/\/thepayrolledge.com\/fr-ca\/#website","url":"https:\/\/thepayrolledge.com\/fr-ca\/","name":"The Payroll Edge","description":"","publisher":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thepayrolledge.com\/fr-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/thepayrolledge.com\/fr-ca\/#organization","name":"The Payroll Edge","url":"https:\/\/thepayrolledge.com\/fr-ca\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/thepayrolledge.com\/fr-ca\/#\/schema\/logo\/image\/","url":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/03\/6df35c0b9881b9ea16d237f199ea249f385a0fb1-scaled.png","contentUrl":"https:\/\/thepayrolledge.com\/wp-content\/uploads\/2026\/03\/6df35c0b9881b9ea16d237f199ea249f385a0fb1-scaled.png","width":2560,"height":769,"caption":"The Payroll Edge"},"image":{"@id":"https:\/\/thepayrolledge.com\/fr-ca\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/thepayrolledge.com\/fr-ca\/#\/schema\/person\/6c52001b33d7d393cce739badfd8cbcf","name":"The Payroll Edge","image":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a730e31bb53628fd1371838ba1d098fded732e3121acbe5accf66cf1802b5abe?s=96&d=mm&r=g","caption":"The Payroll Edge"},"sameAs":["https:\/\/thepayrolledge.com"],"url":"https:\/\/thepayrolledge.com\/fr-ca\/blog\/author\/the-payroll-edge\/"}]}},"_links":{"self":[{"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/posts\/3311","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/comments?post=3311"}],"version-history":[{"count":9,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/posts\/3311\/revisions"}],"predecessor-version":[{"id":5099,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/posts\/3311\/revisions\/5099"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/media\/3312"}],"wp:attachment":[{"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=3311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/categories?post=3311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepayrolledge.com\/fr-ca\/wp-json\/wp\/v2\/tags?post=3311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}