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Investment methods

Regular Instalment RRSP

An easy and handy way to build your RRSP and integrate your contribution to your budget. To contribute at your own pace.

You choose the payment amount and frequency: weekly, monthly, every two weeks. The amounts are then deducted directly from your account and paid to the selected RRSP investment vehicle.

• Bears fruit from the first day.
• Deductible from your taxable income.
• Entitles you to potential member dividends from your caisse.

Products to which you can contribute by regular instalments:

• Regular Deposit Term Savings
• Desjardins Funds
• Group RRSP

Cash RRSP contribution

To contribute once at the end of the year or to shelter capital such as bonuses, vacation pay, retirement allowance, etc., your contributions can be made directly into your RRSP, with no deductions at source.

Products to which you can contribute cash:

• RRSP Regular Savings (RRSP RS): to contribute to your RRSP whenever you decide to, depending on your cash inflows. The funds that accumulate in this account can be reinvested in another RRSP product of your choice.
• Guaranteed fixed-rate investments (term savings, redeemable, diversified, rate raiser): for risk-free capital growth.
• Market-linked guaranteed investments: to invest in Canadian or international markets risk-free.
• Desjardins Funds: to invest in Canadian or foreign shares, bonds, mortgage securities or money market securities.
• Desjardins Financial Security Guaranteed Investment Funds and the Helios Contract: a combination of growth, diversification and security.
• Self-directed RRSP: lets you choose from various investment instruments from money markets, bond markets and stock markets.