Contribute

Maximize your RRSP contributions

Contribute early
RRSPs are easy to understand: they put time on your side. The longer your money stays in this tax shelter, the more you'll have at your retirement.

Contribute early in the year
If you have a regular income, contributing to your RRSP by regular instalments is THE most effective, flexible way to build your portfolio. Your investment starts bearing fruit from the first day, and your earnings accumulate more rapidly than if you only contributed once a year.

Contribute your maximum
For any given tax year, the law allows you to contribute an amount equal to 18% of your income from the previous year. Always try to contribute your maximum.

Contribute regularly
When you don't contribute to your RRSP for even only one year, you could be depriving yourself of a lot of money when you retire. For example:

Important: Getting investment products online is clearly advantageous. However, we strongly suggest that you meet with your caisse advisor, who will be able to help you attain your objectives and choose products that suit your profile.

	Online (Members)	Processed immediately: Term Savings, Redeemable Term Savings or Desjardins Climbing-Rate Term Savings: Log on to AccèsD You will be directed to the appropriate page. Follow the instructions. OR To transfer funds to an existing investment account: transfer funds in AccèsD Response within 48 hours (business days): RRSP Desjardins Funds Fill out the form Response within 24 hours (business days): Term Savings or Regular Deposit Term Savings Fill out the form Market-linked guaranteed investments Fill out the form and Desjardins Profile Guaranteed Investment Fill out the form Self-directed investments Open a Disnat account Download, then print out the form to be submitted or sent to your Desjardins caisse or Disnat.
	By phone (Members)	Montreal area: 514- 522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
	At the caisse (Members and non-members)	Make an appointment with a caisse advisor: online by phone

Not yet registered for AccèsD?

Call one of the following numbers to begin getting the benefits of the service today.

1. Calculation based on an effective rate of 7% compounded annually, at the end of the period.