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LIF investment options

Several investments are LIF-eligible. Select the investments that best suit your profile. However, you must make sure that your LIF portfolio includes at least one investment from which you can make regular withdrawals and, if required, lump-sum withdrawals.

Desjardins Personalized Annuity LIF
  • Term savings: interest rate guaranteed until maturity.
  • 1- to 5-year terms.
  • You select the type of periodic (minimum, fixed, indexed) withdrawal.
  • You select the withdrawal frequency (weekly, every two weeks, semi-monthly, monthly, quarterly, semi-annually or annually).
  • You may have more than one Personalized Annuity RRIF to diversify your investments.

Conventional LIF
  • 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 is based on market rates.
  • Term savings (1- to 10-year terms) provides higher, guaranteed rate until maturity.

Desjardins Market-linked Guaranteed Investments LIF
  • Capital 100% guaranteed.
  • Returns based on stock market performance or dynamic portfolio management of assets from a variety of stock markets by experts.
  • Terms vary with current issues

Desjardins Permanent Shares LIF
  • Capital shares exclusive to Desjardins caisses in Quebec.
  • Higher return than one-year term deposit.
  • Interest paid may automatically be reinvested into additional shares.
  • Offers capital protection, flexibility and good returns.

Desjardins Funds LIF
  • A range of funds that are 100% LIF-eligible.
  • No transaction (load, transfer or repurchase) fees.
  • For easy access to all financial markets and the expertise of seasoned professionals.

Self-directed LIF
  • You may include anything: savings instruments, treasury bills, bonds, mutual funds, Canadian or international stocks.
  • You may purchase them yourself, through the Disnat online brokerage service or through a Desjardins Securities professional.

RRIF-Annuity combination

An attractive option for some people.

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

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
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Make an appointment with a caisse advisor:
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