Registered Retirement Income Fund (RRIF)

• 1- to 5-year certificate of deposit
• Guaranteed return for the duration of the term
• Choose between minimum, regular or indexed payments, which you are free to change at any time
• Lump-sum withdrawals can be made at any time
• You can have more than one Desjardins Personalized Annuity RRIF to diversify your investments

• A combination of regular savings and term savings
• Regular annuity payments are made from the regular savings account portion. Term deposits are transferred annually to your savings account to provide the funds required for regular payments and withdrawals.
• Regular savings interest rate fluctuates with market rates
• Term savings (1- to 10-year terms) provides higher, guaranteed rate until maturity

• Return is linked to the growth of one or several indices
• Capital 100% guaranteed
• Higher return potential
• Retirement income option available for regular and stable income
• No administration fees

• Access to all financial markets
• High return potential
• Diversification by asset class

• The RRIF portion ensures investment income flexibility
• The annuity portion ensures retirement income stability

• Flexible.
• Can be changed at any time, provided that the annual minimum withdrawal amount is met
• Frequency of payments: monthly, quarterly, semi-annually or annually

Minimum annual percentage to be withdrawn according to age:

• Income can be spread out over a number of years to create a lifetime income
• Your tax burden can be spread out over several years
• Income amounts can be adjusted annually by indexing your periodic payments
• At death, RRIF balance is transferred to surviving spouse or, in certain conditions, your estate