Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.

You are here: Home > Personal > Savings and investment > Tax-sheltered plans > Locked-in retirement account (LIRA)

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

Locked-in retirement account (LIRA)

Your share of your former employer's pension fund is yours

  • No further contributions can be made
  • Withdrawals before retirement are permitted only under exceptional circumstances
  • Capital is placed in a tax-sheltered investment
  • Funds are transferred from your former employer's retirement plan
  • At death, a LIRA balance is transferred to your surviving spouse or, in certain conditions, to your estate
  • Funds in LIRAs cannot be seized
  • You can convert all or part of your LIRA to an annuity or a LIF at any time up to the last day of the year you turn 71

Ideal for building up the minimum deposit you need to buy an investment

  • Zero risk
  • A variety of features and terms
  • Invest in stock markets with a safety net
  • Income and capital security
  • Recognized fund managers
  • Easy access to all markets
  • Portfolio diversification


  • With or without the help of an investment advisor
  • Stocks, bonds, exchange-traded funds and more

Learn more about Full-service brokerage

Learn more about Disnat online brokerage

1. Desjardins Funds are offered by Desjardins Financial Services Firm Inc., a Desjardins Group company.

Useful links