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You are here: Home > Personal > Savings and investment > Guaranteed fixed-rate investments > Personalized Annuity Term Savings

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Personalized Annuity Term Savings

When retirement is at the door!

  • Income is made up of interest and periodic payouts of your original capital
  • You can choose the term, frequency and amount of your regular income payments
  • 1- to 5-year terms (phone and in-caisse requests)

It's ideal if you want:

  • a high level of predictable income from your RRIF or LIF
  • the security and high income of an annuity with the flexibility of an investment that lets you withdraw extra amounts or change the amount of your regular income payments

Interest rate

  • Fixed
  • Based on the term selected
  • Guaranteed for the full term

See current rates

Eligible plans

Eligible for registered retirement income funds (RRIF) and life income funds (LIF) and subject to plan rules

Minimum deposit

$5,000

Return

  • Competitive return on your savings
  • Capital and interest guaranteed

Deposit amount and frequency

  • You choose your amount.
  • You can change it at any time.
  • You choose your frequency:
    • weekly or every 2 weeks
    • monthly, twice a month
    • quarterly, semi-annually, annually

Security

Learn more about deposit insurance (FAQ).

Other

Entitles you to any member dividends your caisse may pay.

  • High income: your income is made up of interest and periodic payouts of your original capital
  • Flexible: you can receive regular income from more than one personalized annuity
  • Stable and secure: your capital and interest are guaranteed

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