Defined Contribution Pension Plan
A savings plan in which both employer and employees make pre-defined contributions that are generally based on a percentage of employee salary.
Contributions are tax deductible and accumulate on a tax-deferred basis. Amount accumulated is used to determine annuity amount payable upon retirement.
Features
- In most cases, members provide their own investment instructions for the amounts contributed on their behalf.
- Funds accumulated cannot be withdrawn before retirement and must be used to purchase an annuity.
- These plans are generally better suited to employers who want to help their employees build an income for retirement.
Advantages
- Complete range of services to set up and maintain the plan.
- Advisory services to help design the plan and investment strategies.
- Plan sponsors receive ongoing support, expertise and accessibility of our specialists.
- Complete documentation provided, as required by law.
- A wide variety of investment options and strategies from various fund managers.
- Participants receive support and assistance in understanding their plan and the investment options available to them.
- Strict quality control measures ensure our plan sponsors' peace of mind.
Find out more
Companies with more than 350 employees: go to the Desjardins Financial Security site.
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Companies with 350 employees or less |
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 By phone(Members and non-members) |
Montreal area: 514-286-3100, ext. 2576 Elsewhere in Canada and the U.S.: 1-800-361-6840, ext. 2576 |
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 At the caisse
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Make an appointment with an advisor at a caisse.
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 At a Desjardins Business Centre
(Members and non-members) |
Make an appointment with an account manager at a Desjardins Business Centre.
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Companies with more than 350 employees |
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By phone (Members and non-members) |
1-866-565-3145 |
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