The day we
started calling our house our home.
What is the Home Buyers’ Plan?m
What is the Home Buyers’ Plan?
The Home Buyers’ Plan (HBP) allows you to borrow up to $50,000 from both your and your partner’s RRSPs to buy or build your first house and enjoy the freedom of owning your home! You then have 15 years to repay this loan to yourself free of interest.Get our expert advice x
Smart advice for enjoying the freedom of owning your home
Get more from the Home Buyers’ Plan by using your RRSPs - even if you don’t have any yet!FIND OUT MORE
An RRSP can help you buy your home and give you more freedom of choice.FIND OUT MORE
A TFSA is much more than just a savings account. Like an RRSP, it can help you realize your dream of owning a house.FIND OUT MORE
Birth of a child
The day we’d been waiting for.
What grants are available for my RESP?m
What grants are available for my RESP?
How can you receive $750* annually from the two levels of government? By contributing $2,500 to your child’s RESP. Now that’s an investment that pays off. And if your child decides not to pursue a post-secondary education, you can change the beneficiary or transfer your contributions to your RRSP.Get our expert advice
*The amount is $500 a year for Ontario residents.x
Smart advice for ensuring every child has the freedom to choose
Birth of a child
Your children will grow up fast… and they may decide they want to pursue lengthy studies. Education does not come cheap: over $15,000* on average per year to study at a Quebec university, including tuition, living expenses and lodging. In 10 or 15 years, it will be even more. Don’t wait, contribute to your RESP today!FIND OUT MORE
With the registered education savings plan, the earlier you start the better.FIND OUT MORE
Calculate the cost of your child’s education with this tool.FIND OUT MORE
*According to Statistics Canada and Financial Aid Services of the Université de Sherbrooke, Summer 2014.x
The day I got the ball rolling.
will you need for your retirement?
will you need for your retirement?
You’ll be retired for 15, 20, maybe even 30 years. How much money will you need to enjoy life’s little, and not-so-little, pleasures? About 70% of your gross earnings. And the sooner you start thinking about it, the easier it’ll be to achieve.Get our expert advice
* Source : Statistics Canada.x
Smart advice for creating a financial plan
A financial plan is a road map that helps you reach a desired goal. Those who plan ahead are more successful at bringing their projects to life.FIND OUT MORE
In order to deal with the unexpected, protect your health, your assets and your family thanks to our tailored-made solutions.*FIND OUT MORE
The Desjardins retirement calculator allows you to determine how much you need to save in order to enjoy the freedom to choose during retirement.FIND OUT MORE
*Health and life insurance products are offered by a financial security advisor employed by Desjardins Financial Security, Financial Services Firm.x
The day we were free to travel the world.
How to prepare for your trip?m
How to prepare for your trip?
Got your itinerary? Now it’s time to take care of the rest so you can travel with peace of mind. Make a detailed plan and set a budget in order to save and plan ahead, and stay debt-free while you travel. Make sure you’ve planned for both big and small setbacks along the way.Get our expert advice x
Smart advice for being free to travel
A TFSA is the best way to save for a trip. It allows you to build a nice nest egg, tax-free, that you can withdraw whenever you want.FIND OUT MORE
It can be hard to save money. But with automated savings, you’ll hardly notice. All gain, no pain!FIND OUT MORE
Travelling with children? Get them involved in the planning.FIND OUT MORE
The day I was free to invest more.
How to get the most out of your new revenue?m
How to get the most out of your new revenue?
Income taxes can take a big bite out of any increase in income. Pay yourself first by investing half your raise in a tax-free savings plan. It’s the road to freedom and so easy with automated contributions. Out of sight, out of mind!Get our expert advice x
Smart advice for getting the most out of your raise
Earning more? Develop strategies to pay less income tax.FIND OUT MORE
Get the most out of tax plans like RESPs, RRSPs or TFSAs. You can also contribute to your partner’s plan.FIND OUT MORE
A big life event like this calls for changes. It’s time to re-evaluate your finances.FIND OUT MORE
End of the mortgage
The day we felt a new kind of freedom.
What should you do with all the extra money?m
Smart advice for making the most of being mortgage-free
End of the mortgage
You suddenly have more money in your pocket. Why not revise your retirement budget? It’s the perfect time to start the final sprint to retirement and invest heavily in your RRSP.FIND OUT MORE
Do you have room in your tax-free savings account? It’s an excellent vehicle to grow your extra savings and plan new projects such as renovations, trips, etc.FIND OUT MORE
Split your income, get the most out of the tax systems and optimize your non-registered portfolio.FIND OUT MORE
The day our last baby flew the coop.
Will I have more money in my pocket?m
Smart advice for taking advantage of a child’s departure
Do you want to enjoy the freedom to choose once you retire? Now’s the time to maximize your RRSP contributions.FIND OUT MORE
An RRSP or TFSA? Compare these two key registered savings planFIND OUT MORE
Your children may have left the family nest, but now more than ever they need your financial advice. Parents are an important source of inspiration!FIND OUT MORE
You can protect your retirement dream in case of a major health problem by integrating insurance to your investment strategy.FIND OUT MORE
The day my time was finally my own.
will I receive from both governments when I retire?
Smart advice for making the most of your retirement.
Your expenses are not the same during retirement. You will need to make a new budget.FIND OUT MORE
When do you need to convert your RRSP to an RRIF? The Registered Retirement Income Fund is the next step after your RRSP. How can you manage it both strategically and judiciously? How can you ensure that you pay the least amount of tax?FIND OUT MORE
Want to enjoy even more freedom? Preserve and grow your investment capital!FIND OUT MORE
The day I planned for my future is the day I felt free to live in the moment.
Do you know how much your estate is worth?m
Do you know how much your estate is worth?
According to a recent study, 77% of people believe that it is important to leave an inheritance, especially for their children or spouse. To find out the value of your estate, have a wealth inventory done. You can then optimize your financial strategies to maximize the amount you will leave to your inheritors. It is never too late to plan the transfer of your wealth.Get our expert advice x
Tips for leaving more to your loved ones
Is maintaining family harmony after your passing important to you? Create a plan for the transfer of your wealth that is in accordance with your wishes.FIND OUT MORE
By drawing up an inventory of your assets and personal documents, you will simplify the life of your loved ones.FIND OUT MORE
Get the guidance and expertise necessary to successfully plan the transfer of your wealth.FIND OUT MORE
Feel free. Take charge.
Speak with an advisor to take stock of your finances and determine a strategy. It’s free of charge!