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Saving for your retirement

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Borrowing to invest

How about borrowing to invest in your retirement?

Attractive rate and flexible repayment terms.

  • Fixed or variable rate, lower than the rate on a personal loan
  • You can switch from a variable rate to a fixed rate, and vice-versa, at any time
  • 1 to 5 year terms
  • Weekly, bi-weekly or monthly payment schedule

Learn more - RRSP Loan (over $12,500)

Contribute using a second, separate credit limit on your Visa Desjardins card.

  • Available in just a few minutes.
  • Second credit limit on a Visa Desjardins card is separate from your current transaction limit.
  • The interest rate is different from the credit card rate; it is equivalent to the rate for an RRSP loan if you invest the cash advance in a Desjardins investment vehicle.

The real cost of this financing is offset by your income tax savings and by the investment income that accumulates tax free.

Learn more - Accord D RRSP financing"

Maximize your contribution!

  • Interest rate identical to that of an RRSP loan
  • 1 to 10 year terms
  • Pay off your loan whenever you want, in part or in full, without being charged extra fees

To invest an amount equivalent to your unused RRSP contribution room.

Learn more - Unused contribution room RRSP loan

For the seasoned investor.

  • Variable interest rate based on loan amount and other criteria.
  • Minimum of $25,000.
  • Loan payment frequency: weekly or monthly.
  • Pay off your loan whenever you want, in part or in full, without being charged extra fees.

Create a customized plan with your financial planner, who will provide information about the advantages and drawbacks of leveraging, anticipated returns on investments, your tax rate and repayment terms.

Learn more - Investor STRATEGIC Line of Credit

Maximize your contribution!

  • Minimum $25,000 mortgage-secured line of credit
  • Allows you to borrow up to 80% of the market value of your property
  • Easy to use and flexible
  • Can be used to manage all your credit needs

Learn more - Versatile Line of Credit - A home equity line of credit

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