Plan your retirement

Retirement doesn't happen overnight. Planning your retirement is the safest means of attaining your retirement goals and accumulating enough capital to ensure the quality of life you strive for.

Good planning means thinking about the following elements:

• The increasing likelihood that you will spend more time in retirement.
• Constantly fluctuating markets, interest rates and inflation.
• The desire to achieve your retirement goals.
• The income required to pay for regular expenses.
• The ability to save capital and increase your wealth.

  To get started, first determine your investor profile for retirement.

At which stage of your life are you?

I'm new to the job market and I'd like to get some information on RRSPs to start contributing.	Are there many types of RRSPs? How to contribute and how much? To better understand RRSPs and the advantages of contributing to RRSPs. How much should I invest? Find out how to set an amount that fits your budget. What's the best investment product? We help you choose the investment product that's best suited to your investor profile. Who can I see for advice? To analyze your financial situation and help you choose, see a Desjardins specialist. When and how should I invest in RRSPs? Contribute early and regularly, be it online, by phone or at the caisse.
I already have money saved for my retirement and I'd like to review my investment strategy.	Is your RRSP growing? Has your financial situation changed? It's probably time to: review your investor profile for retirement; review your portfolio diversification; call on the services of our specialists to adapt your investment strategy to your new situation. Read our money tips on spousal RRSPs, investment diversification, the HBP, unused contribution room, etc. Contribute to your RRSP online, by phone or at the caisse.
I'm just a few years away from retiring and I'm about to transfer my accumulated capital into retirement income.	See the Manage my retirement income section which deals with the financial aspects of retirement.

Our RRSP loans are offered at attractive rates and can help you make your annual contribution or use your unused contribution room when you're temporarily short of cash.

  The Desjardins difference
Desjardins investments (inside or outside of your RRSP) offer you the unique advantage of earning member dividends which are added to your investment interest.
Find out more about member dividends.