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Income options:
T-Class units

Main feature: exclusively for non-registered portfolios (non-RRSP)
Returns: See Desjardins Funds returns
Transaction fees: none (no purchase, redemption or exchange fees)

Quick facts

Pre-retirees who want to accumulate non-RRSP capital.
Retirees who want to increase net returns from non-registered investments or get regular income from money received through an inheritance or the sale of a property or a business.
Annuitants who want to receive additional income that is not fully taxable to avoid having to repay Old Age Security pensions.

Several funds are available.
Entitle you to potential member dividends.
Find out more about member dividends
Use these investments to:
- Receive regular monthly income.
- Defer part of your taxes (which increases your net investment amount).
- Take advantage of market fluctuations.
- Simplify your financial planning.

View the different portfolios offered by Desjardins T-Class units ¹.
To find out more about Old Age Security pension repayment regulations, see the Service Canada Web site's section about the Old Age Security Pension.




	Online (Members)	Fill out the form


	By phone (Members)	Montreal area: 514-522-2373 Elsewhere in Canada and the US: 1-800-CAISSES (1-800-224-7737)


	At the caisse	Make an appointment with a caisse advisor: online by phone

1. Desjardins Funds are offered by Desjardins Financial Services Firm Inc., a Desjardins Group company.