Quoi de neuf chez Wealthsimple en mai 2025

À L'ATTENTION DES PROPRIOS EN HERBE!🚨

Neuf points clés à considérer avant de plonger vers la propriété

Que vous fassiez vos premiers pas vers l’achat d’une maison ou que vous soyez un·e proprio d’expérience qui veut se vanter d’avoir toujours raison, on a le guide qu’il vous faut! Vous y trouverez réponse aux neuf plus importantes questions à se poser avant d’acheter, comme : « combien je mets de côté pour la mise de fonds? » et « qu’est-ce que je peux me permettre d’acheter dans le fond? ». Je veux lire ça.

Le CELIAPP : la clé de votre première maison

Cotisez jusqu’à 40 000 $ (à l’abri de l’impôt) et retirez le tout (encore à l’abri de l’impôt!) au moment d’acheter votre premier p’tit nid.² J’ouvre un CELIAPP.

Le REER au-delà de la retraite

Le RAP (le régime d’accession à la propriété, pas le style de musique!) vous permet de retirer jusqu’à 60 000 $ sans payer d’impôt pour l’achat de votre première maison. J’ouvre un REER.

EN AVANT-PREMIÈRE 👀

Découvrez en primeur les REEE autonomes

Profitez avant tout le monde de la nouveauté Wealthsimple : les REEE autonomes individuels ou familiaux pour l’éducation de vos enfants. Au menu, les mêmes avantages fiscaux qu’un REEE, avec en prime un plein contrôle sur vos placements. (Enfin quelque chose à propos de vos enfants que vous pourrez contrôler!). J’ouvre un REEE.

PASSION AMÉLIORATIONS🫶

^{Have questions? Visit our Help Centre or submit a request to our Client Support team.}

^{1 New and existing Wealthsimple clients with a funded Wealthsimple account who applied and received a Pine mortgage approval through https://wealthsimple.pine.ca, and close the mortgage within 120 days of the approval can receive a cash bonus depending on (i) the actual mortgage amount, and (ii) the applicant or co-applicant’s total assets with Wealthsimple from the date the commitment letter for their Pine mortgage was issued and the mortgage closing date at 11:59PM ET, whichever is higher: Core client: $150-$1,000; Premium client: $500-$3,000; Generation client: $1,000-$5,000. Maximum 1 cash bonus per client. Must be residents of Canada (excl. QC). Full eligibility and T&Cs at https://wsim.co/mortgagecashback.}

^{2 This content is provided for informational purposes and should not be construed as financial, investment, or tax advice by any individual. For full details about the FHSA, refer to the CRA website.}

^{3 Compared with all Canadian order-executions-only investment dealers regulated by the Canadian Investment Regulatory Organization that offers extended trading hours for US stocks and ETFs as of May 21, 2025. For information on risks and other considerations associated with trading during extended hours sessions, please refer to https://wsim.co/extended-hours.}

^{4 Data collected as of May 20, 2025. Average includes all posted-rates of USD chequing and savings accounts at Canada’s five largest banks. Excludes limited-time and promotional offers. Actual interest rate depends on total assets with Wealthsimple. Annualized rate, calculated daily, paid monthly. Subject to change. See wsim.co/usd-rates for details.}

^{Managed accounts are offered by Wealthsimple Inc., a registered portfolio manager in each province and territory of Canada.}

^{Self-directed investing is offered by Wealthsimple Investments Inc. (WSII). WSII is a member of the Canadian Investment Regulatory Organization (CIRO). Customer accounts held at WSII are protected by Canadian Investor Protection Fund (CIPF) within specified limits in the event WSII becomes insolvent. A brochure describing the nature and limits of coverage is available upon request or at CIPF.}

^{Crypto is offered by Wealthsimple Investments Inc. (WSII), a member of the Canadian Investment Regulatory Organization (CIRO). Crypto assets purchased and held in an account with Wealthsimple Crypto are not protected by the Canadian Investor Protection Fund, the Canadian Deposit Insurance Corporation or any other investor protection insurance scheme. You can learn more about the risks of crypto assets in our Crypto Product Risk Disclosure. You can find more information about WSII in our Relationship Disclosure. Any coins showcased are for illustration purposes only and are not recommendations or investment advice.}

^{Our chequing product is offered by Wealthsimple Investments Inc. (“WSII”), a member of the Canadian Investment Regulatory Organization (“CIRO”), and Wealthsimple Payments Inc., a FINTRAC registered money services business. The funds added to chequing account(s) (the “Funds”) are ultimately held securely in trust in the name of the primary account holder with a single or multiple members of the Canada Deposit Insurance Corporation (“CDIC”). CDIC protects eligible deposits held at CDIC member institutions in case of a member institution’s failure. Wealthsimple Payments Inc. and WSII are not CDIC member institutions. Under the trust framework, CDIC insures eligible cash balances up to $100,000 per beneficiary, per member institution, provided certain disclosure rules are met. Coverage is free and automatic. Learn more about how CDIC protection works. Funds must be spread across at least 10 CDIC member institutions in order for up to $1,000,000 in deposits to benefit from applicable CDIC coverage. The advertised interest rate for the chequing acccount is derived from interest earned by Wealthsimple on the funds. The rates are annualized rates, calculated daily, and paid monthly. Subject to change. For more information see here. The Funds are settled with any CDIC member(s) one business day following the date that Funds are reflected in the Account.}

^{Our High-interest Savings Accounts (HISA) are offered by Wealthsimple Investments Inc. (WSII). WSII is a member of the Canadian Investment Regulatory Organization (CIRO). HISA held at WSII are not protected by the Canadian Investor Protection Fund (CIPF). All cash balances from your Wealthsimple HISA(s) are held in trust for you with members of the Canada Deposit Insurance Corporation (CDIC). WSII is not a CDIC member institution. CDIC protects eligible deposits held at CDIC member institutions in case of a member institution’s failure. CDIC is a federal Crown corporation. CDIC is not a bank or a private insurance company. Under the trust framework CDIC insures eligible cash balances up to $100,000 per beneficiary (Wealthsimple HISA customer) per member institution, provided certain disclosure rules are met. Coverage is free and automatic. Learn more about how CDIC protection works.}