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You are here: Home > Personal > Goals and life events > Retirement > Enjoying your retirement > Paying less taxes > Guaranteed investment products

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Paying less taxes


Guaranteed investment products

Regular income and tax breaks

Reduced or deferred taxes if your portfolio is held in a non-registered account

  • Eligible for registered and non-registered plans
  • Increased value of your investments and reduced volatility
  • Automatic rebalancing to ensure your portfolio reflects your investor profile and investment objectives at all times

Learn more - Melodia portfolios

Tax-deferred transfers between non-registered portfolios

  • Initial investment of $100,000
  • 6 portfolios for all investor profiles
  • Optimize net after-tax income
  • Full or partial redemption at any time
  • No transaction fees (purchase, redemption, transfer)

Learn more - Chorus II portfolios

Savings component: invest your savings tax free

  • Significant and immediate increase in the value of the inheritance you leave behind
  • Insurance coverage and tax-free investment with minimum guaranteed interest

Universal life insurance is designed to make sure you're covered for as long as you need, and lets you invest tax-free at the same time.

This type of insurance meets your needs if:

  • You want to leave a sizeable inheritance to your loved ones
  • You've maxed out your RRSP and TFSA contributions

Learn more - Life insurance

Interesting tax credit and potential for long-term returns.

  • Pre-retirees and retirees residing in Quebec during the taxation year in which the tax credit is claimed are eligible (investors do not have to be members of a Desjardins caisse).
  • Maximum annual investment: $3,000.
  • Shares are exclusive to Desjardins1.

Learn more - Capital régional et coopératif Desjardins

  1. Though Desjardins Group promotes Capital régional et coopératif Desjardins, it does not hold any shares.

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