RRIF investment options

The money in an RRIF can be converted into a number of different savings and investment products without restriction.

Desjardins offers a range of options to meet your RRIF portfolio diversification needs, whatever your investor profile may be.

Desjardins Personalized Annuity RRIF
  • One- to five-year certificate of deposit.
  • Guaranteed return for the duration of the term.
  • Choose between minimum, regular or indexed payments, which you are free to change at any time.
  • Lump-sum withdrawals can be made at any time.
  • You can have more than one Desjardins Personalized Annuity RRIF to diversify your investments.

Conventional RRIF
  • A combination of regular savings and term savings.
  • Regular annuity payments are made from the regular savings account portion. Term deposits are transferred annually to your savings account to provide the funds required for regular payments and withdrawals.
  • Regular savings interest rate fluctuates with market rates.
  • Term savings (1- to 10-year terms) provides higher, guaranteed rate until maturity.

Desjardins Market-Linked Guaranteed Investments RRIF
  • Return is linked to the growth of one or several indices.
  • Capital 100% guaranteed.
  • Higher return potential.
  • No administration fees.

Desjardins Permanent Shares RRIF
  • Higher return than one-year term savings.
  • Interest earned can be reinvested into additional shares (at participating caisses.)
  • No fixed maturity date.
  • No purchase of administration fees.

Desjardins Funds RRIF
  • Access to all financial markets.
  • High return potential.
  • Diversification by asset class.

Guaranteed Investment Funds RRIF (Helios Contract)1
  • A choice of 31 funds, including 6 portfolios with turnkey solutions adapted to your needs.
  • A choice of 3 different guarantees (Guarantee 75/75, Guarantee 100/100 r or Guarantee 75/100 i) that protect your capital from market downturns and readjust its value to reflect upturns.
  • The flexibility of adding the Guaranteed Minimum Withdrawal Benefit (GMWB) at any time to ensure guaranteed and predictable retirement income, regardless of market fluctuations.

Self-Directed RRIF
  • Allows you to build a customized portfolio.
  • Wide choice of investment options, including stocks, trust units, strip coupons and investment funds.
  • Administered by Desjardins Securities.
  • Insured deposits

RRIF-Annuity combination

An attractive option for some people.

  • The RRIF portion ensures investment income flexibility.
  • The annuity portion ensures retirement income stability.

Before investing, determine your financial objectives, expected returns, the investment maturity date and when you'll need the funds, as well as your level of tolerance to risk and market volatility.

Find out more

Read the Manage your retirement income section.

Did you know

To help you achieve your retirement goals, Desjardins Financial Security Guaranteed Investment Funds and the Helios Contract will provide you with a guaranteed and predictable income, regardless of market fluctuations.

How to get this product
At the caisse At the caisse
(Members and non-members)
Make an appointment with a caisse advisor:

1. The Helios Contract is offered by a financial security advisor from Desjardins Financial Security (DFS) and will not appear on your integrated caisse statement. Guaranteed Investment Funds are managed by Desjardins Financial Security Life Assurance Company.

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