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:
A contribution of $4,000 per year for 30 years: Same investment except for the second year: Difference: |
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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. |
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 Online(Members) |
Processed immediately: Term Savings, Redeemable Term Savings or Desjardins Climbing-Rate Term Savings:
OR
Response within 48 hours (business days):
Response within 24 hours (business days):
Self-directed investments Open a Disnat account
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 By phone(Members) |
Montreal area: 514- 522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737) |
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 At the caisse
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Not yet registered for AccèsD?
Call one of the following numbers to begin getting the benefits of the service today.
Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
Did you know?
Retirement is at the core of the integrated planning process the caisse makes available to couples to design a best-case scenario that takes into account retirement age, income, investment payouts and tax implications.
To find out more, read "Integrated financial planning; One couple's story"
1. Calculation based on an effective rate of 7% compounded annually, at the end of the period.
