Registered retirement savings plan (RRSP)

Registered retirement savings plan (RRSP)

Take the time to contribute

Contribute online – RRSP

The benefits of a Desjardins RESP

By contributing to an RRSP, you’ll reduce your taxable income. Your savings will grow tax-free until you’re ready to use them for retirement or another savings goal.


  • Deductible contributions from your taxable income
  • Tax-sheltered income
  • Savings can be used for retirement, a home or education

Get the most out of your RRSP

Good to know

  • You can contribute to your RRSP up to 18% of your previous year’s earned income.
  • The 2020 contribution limit is $27,230. In 2019, it was $26,500.
  • For 2019, the deadline to contribute to your RRSP is March 2, 2020.

What will be your sources of income at retirement? (2 min. 01 s.) This link will open in a new window.

Many factors influence retirement income. Knowing those factors will help you plan better.

Should I contribute to an RRSP or pay down my mortgage? (2 min. 08 s.) This link will open in a new window.

What is the most beneficial, paying down my mortgage or contributing to an RRSP? Or even another tax-efficient plan such as an RESP or a TFSA?

Did you know…

You can use your bonusdollars This link will open in a new window. or apply for Accord D RRSP financing This link will open in a new window.1 to maximize your contributions.

It’s maybe not too late to make up for lost time with your RRSP. Learn more This link will open in a new window.

See the FAQ External link. This link will open in a new window.

Talk to an expert

Avoid waiting on hold.
Have us call you when it's convenient.

  1. See a Desjardins advisor for more details about the conditions for Accord D RRSP financing.