FINANCIAL ADVISORS

Our Personal financial advisors put their knowledge to work for you. They listen, offer professional and objective advice, and steer you toward the savings and investment products best suited to your situation. These funds are available from financial advisors across Canada. Ethical Funds is offered through credit unions and financial advisors across Canada.


Financial analysts and personal financial advisors provide analysis and guidance to businesses and individuals to help them with their investment decisions. inancial analysts assess the economic performance of companies and industries for firms and institutions with money to invest. Personal financial advisors generally assess the financial needs of individuals, providing them a wide range of options. Personal financial advisors, also called financial planners or financial consultants, use their knowledge of investments, tax laws, and insurance to recommend financial options to individuals in accordance with their short-term and long-term goals. financial advisors also answer questions from clients regarding changes in benefit plans or the consequences of a change in their job or career.

Most people find their financial advisors through referrals from friends, coworkers, accountants, or attorneys. Although this is a comfortable method for most people, it has two major pitfalls. Some investors and inexperienced financial advisors believe that once they build a portfolio, particularly an asset class portfolio, they won°¶t need to make any changes.

Our financial advisors take the time to understand your life in full and in depth. They look beyond the single dimension of investments and find powerful, innovative ways to integrate and leverage all the pieces of your financial life.

Take advantage of your unused RRSP contribution room. You may be able to get a substantial income tax return and increase your wealth. t's the unused portion of your maximum RRSP contribution room that has accumulated since 1991. By using your unused RRSP room, you benefit from a substantial income tax return and increase the value of your RRSP. You can also repay your Unused contribution room RRSP loan ahead of schedule, with your income tax refund for example, in whole or in part and without penalty.

How are penalties on over-contributions calculated? Our RRSP Centre has the answer. If you would normally be satisfied that an amount has been credited electronically, we would consider the RRSP contribution to have been made as well. We note that in these cases you would credit the RRSP at the time the cheque, or permission to debit an account was made, not on the later date when the payment was actually processed. This directly affects employees in the mid to high-income brackets who will lose all or part of the RRSP contribution room that would otherwise have become available to them under the old rules, in each year through 2004.

You contribute a significant amount to your pension fund, which limits your contribution to an RRSP. Unless RRSP contribution limits are increased, middle income earners will not be able to accumulate savings required to have a pre-retirement standard of living during retirement, warns the IDA.

You can find out the amount of RRSP contributions you are allowed to deduct for your income taxes by calling the Canada Customs and Revenue Agency. RRSP contribution or mortgage paydown?
The maximum withdrawal RRIF calculations depend on whether your LIF falls under provincial or federal jurisdiction.
The funds in your Registered Retirement Income Fund, RRIF, will continue to grow tax-free. Moreover, you can draw various levels of income from it to meet your changing needs. A very flexible solution indeed!
This calculator can help you determine your RRIF minimum withdrawals or how long your RRIF may last if you withdraw a desired amount.

Withholding tax is deducted from any amount in excess of your minimum payment amount, so be sure to factor that into your RRIF calculations when determining how much to withdraw.
A spousal RRIF is a RRIF that has been created with spousal RRSP, that is from an RRSP calculation that has been created by an individual in his or her spouse's name.
Figure out how much you're going to have to live on at retirement after inflation and taxes, with systematic withdrawal and RRIF calculations.
The RRIF payment calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund.


You can alsop reduce the annual payout by basing the RRIF calculations on the age of the younger spouse. These rrif calculations can forecast the future value of a deposit or series of deposits. Other features include present and future value of deposits as well as determining interest rate earned. Figure out how much you're going to have to live on at retirement after inflation and taxes, with systematic withdrawal and RRIF calculations.

The Quebec pension plan is only available in the Canadian province of Quebec. It is a provincial program that provides a pension for wage earners who reside in Quebec and who have contributed money into the plan during their working years.

Analysts here have been warning that, without a sizeable increase in contributions, the separately administered Quebec Pension Plan will go broke by the year 2005, politics the chief cause of the plan's poor performance. The Quebec Pension Plan is a compulsory public insurance plan. Your CPP retirement pension is based on how much, and for how long, you contributed to the Plan (or to both the CPP and the Quebec Pension Plan). The age at which you choose to retire also affects the amount you receive

The province of Quebec administers its own program, the Quebec Pension Plan for workers in Quebec. With very few exceptions, every person in Canada over the age of 18 who earns a salary must pay into the Canada Pension Plan, or the Quebec Pension Plan if they work in the province of Quebec. It provides you with information on your earnings and contributions to the Canada Pension Plan and the Quebec Pension Plan, if you have contributed to both Plans.

The Canada Pension Plan operates in every province and territory in Canada except Quebec, which has a similar program, the Quebec Pension Plan. If you work in the province of Quebec, you contribute to the Quebec Pension Plan World Wide Web site. he Canada Pension Plan retirement pension is a monthly payment to people who have contributed to the Canada Pension Plan or both Canada Pension Plan and Quebec Pension Plan and live outside the province of Quebec and who are at least 60 years of age .
How to pay less taxes?

It is generally recommended to conserve your RRSP as long as possible, even after retiring, since your investments will continue to grow tax-free. The above example, which assumes an interest rate of 5% for term savings and a tax rate of 42.4%, concerns T-Class units of the Desjardins Dividend Fund. Half of the income received is considered to be a return of capital, and so you pay less taxes on both dividends and capital gains is 25%.

Contributing to an RRSP helps many people pay less in taxes, because contributions can be deducted from income. When taxable income is reduced, taxes decrease as well. Pay less taxes by using little known tax loop holes. Get tax relief and tax reduction by utilizing these tax strategies that let you pay less taxes or even pay no taxes.

This one-of-a-kind guide explains how to plan ahead to pay less taxes on future distributions. Now revised to include the latest tax law changes.

In other words, the money you contribute is taken out of your pay before Federal and, in almost all cases, province income taxes are withheld. Therefore, the amount used to calculate your taxes is smaller, so you pay less in taxes now. Deposits to a regular savings account do not provide such an advantage.

We've all heard that Americans pay less taxes than Canadians. But in fact, for more than half of Canadians, the grass is still greener here at home. If your husband or wife is in a lower tax band than you, you could pay less tax by transferring cash, savings and investments into your spouse's name. By lowering the amount of income you need to pay taxes on, you'll pay less taxes. Depending on your tax bracket, this can add up to a nice annual savings.
The Investment Funds Institute of Canada is the Member association of the investment funds industry in Canada. Investment Funds Institute of Canada Members currently manage assets representing almost 100% of all open-end mutual funds in the country.

The Institute of Canadian Bankers (ICB) Investment Funds in Canada course will cover the basic fundamentals of wealth creation through saving and investing with specific emphasis on investment funds. You will learn the basic principles and operations governing investment funds, how they relate to investment objectives, and the regulation and responsibilities of those involved in advising and explaining investment funds to the public.. Students currently registered with Investment Funds Institute of Canada (IFIC) may register for our course, but should be aware that we use the ICB text, Investment Funds in Canada.

We are a member of The Investment Funds Institute of Canada ("IFIC") and our partners and associates serve and have served on various IFIC Committees, including IFIC's Regulatory Steering Committee, Fund of Fund Working Group Sub-Committee, Tax Steering Committee and Sales Practices Steering Committee.

Our long-standing policy restricting personal trading is based on the Investment Funds Institute of Canada Model Code of Ethics for Personal Investing and applicable securities law. We are a long-standing member of the Investment Funds Institute of Canada (IFIC), the professional trade association for members of the mutual fund industry, and participate actively on its Board of Directors, standing committees and working groups.

Our Personal financial advisors put their knowledge to work for you. They listen, offer professional and objective advice, and steer you toward the savings and investment products best suited to your situation. These funds are available from financial advisors across Canada. Ethical Funds is offered through credit unions and financial advisors across Canada.


Financial analysts and personal financial advisors provide analysis and guidance to businesses and individuals to help them with their investment decisions. inancial analysts assess the economic performance of companies and industries for firms and institutions with money to invest. Personal financial advisors generally assess the financial needs of individuals, providing them a wide range of options. Personal financial advisors, also called financial planners or financial consultants, use their knowledge of investments, tax laws, and insurance to recommend financial options to individuals in accordance with their short-term and long-term goals. financial advisors also answer questions from clients regarding changes in benefit plans or the consequences of a change in their job or career.

Most people find their financial advisors through referrals from friends, coworkers, accountants, or attorneys. Although this is a comfortable method for most people, it has two major pitfalls. Some investors and inexperienced financial advisors believe that once they build a portfolio, particularly an asset class portfolio, they won°¶t need to make any changes.

Our financial advisors take the time to understand your life in full and in depth. They look beyond the single dimension of investments and find powerful, innovative ways to integrate and leverage all the pieces of your financial life.

Fidelity funds might call last year one of its tougher seasons. The Fidelity Fund is administered by the Law Society's Fidelity Fund Department.

But can Fidelity Fund Management Private Limited, the Indian arm of Fidelity International Ltd, recreate the same magic in India? Only time will tell us whether Fidelity°¶s fund management techniques are able to outperform the Indian markets as well. Fidelity Fund Management recently launched Fidelity Equity Fund, its maiden fund in India.

This correction may turn out to be a boon for Fidelity Equity Funds as it will be able to pick up stocks at relatively cheaper valuations than say a month ago. However, in the long run it is the quality of the stock and not the price at which it is purchased that matters. As a thumb rule, it°¶s best to invest with a long-term perspective on the market. A supermajority may be the best assurance that the independent trustees control the board. The Independent Trustees of the Fidelity Funds constitute more than 70 percent of the board.

While it appears no significant market-timing ever occurred in an in-house Fidelity funds, at least one prolific market-timer was able to use the firm's institutional fund platform to run abusive strategies in funds not managed by Fidelity funds. Although Fidelity funds are presented as examples, the concepts outlined here can be implemented using sector funds managed by other institutions.
Equity investment generally refers to the buying and holding of shares of stock on a stock market by individuals and funds in anticipation of income from dividends and capital gain as the value of the stock rises. It also sometimes refers to the acquisition of equity participation in a private company or a startup (a company being created or newly created). When the equityinvestment is in infant companies, it is referred to as venture capital investing and is generally understood to be higher risk than investment in listed going-concern situations. These are the characteristics of our private equity investment team.

Desjardins fund equity investment team offers our clients both breadth and depth, through an extensive range of active equity investment strategies that span geographies, market capitalization, industry sectors and investment styles.

The entire team is structured to work collaboratively in a global setting using the latest technology to develop and share techniques and information that drive the equity investment process. Desjardins equity investment process begins with a quantitative screening of the investment universe. So your first way of reducing risk in equity investment is to be prepared to take the long-term view. The second way to avoid risk is to spread your investments. There are also other tax breaks to encourage share investment in unquoted companies although these tend to carry greater risks than general equity investment.

Companies initially seeking smaller amounts of private equity investments are more attractive to private equity firms if there is an opportunity for further rounds of private equity investment later on. This makes the medium to larger-sized investments more attractive for private equity investment, as the total size of the return is likely to be greater than for smaller investments, and should more easily cover the initial appraisal costs.
When you contribute to the Desjardins Education Savings Plan, you benefit from a grant from the federal government, which can increase your capital considerably!

Fortunately, you can give your children or grandchildren a helping hand! With its Education Savings Plan, Desjardins enables you to:



  • Save up easily for a child°¶s education


  • Receive the Canadian Education Savings Grant


  • Enjoy a tax benefit, since your investments grow tax free, which enhances their return!



But many things can happen between now and the time your children or grandchildren enrol in college or university. No problem! The Desjardins Education Savings Plan has the flexibility you need:




  • You determine the amount and frequency of your contributions and can make changes to these arrangements as you see fit



  • You can sign up regardless of your relationship to the child designated as the beneficiary (e.g., son, daughter, grandchild, nephew, niece, friend°¶s child)



  • You are free to change beneficiaries later on; should you decide to go back to school, you can even designate yourself!



  • You can contribute an annual maximum of $4,000 per beneficiary and a total of $42,000 for the entire duration of the education savings plan



  • You can choose to invest in either the Desjardins Funds or guaranteed investment certificates



  • If the beneficiary decides not to continue his or her studies, you can transfer amounts accumulated in your Education Savings Plan into your RRSP, subject to certain conditions




Signing up for the Desjardins Education Savings Plan is an invaluable gift°Xit allows the child to dream of pursuing a post-secondary education.
Desjardins Funds are smart investment products you can trust to help you achieve your financial objective.

With Desjardins Funds Fixed Monthly Income Investments, you can keep track of your investments more easily: you know your exact monthly income ahead of time, as it stays the same from month to month.

Also called a mutual fund, an investment Desjardins fund is a pool of capital raised from investors who have the same objectives.

The capital is invested in stocks, bonds or other securities, according to the investment policy of the Desjardins funds in question.

Investment Desjardins funds are managed by specialists equipped with tools for optimizing returns that are not available to the average investor.

An investment fund is an ideal tool for achieving your financial objectives.

Desjardins funds are flexibles and effective tools with numerous undeniable advantages:




  • Choice: Your financial advisor can help you to choose the Desjardins funds that suit you best, from among the 4,000 or so funds available to Canadian investors.




  • Accessibility: You can make periodic investments in a Desjardins fund with as little as $25 per month, or invest $500 up-front, which is usually requested, followed by periodic investments.




  • Expertise: Your investment is managed by experts who have the necessary skills and resources for maximizing returns.




  • Convenience: It is easy to purchase Desjardins fund units and carry out transactions.




  • Service: Information on your account and returns is provided on a regular basis.


This canadian rrsp, Retirement Savings Plan, calculator estimates the ongoing income you may receive throughout your retirement to help you plan. It takes about 30 minutes to use

A RRSP loan can be an excellent way to jump start your retirement savings. Use this rrsp calculator to see how an RRSP loan could help your retirement savings plan..

While care is taken in the preparation of this canadian rrsp calculator, no warranty is made to its accuracy or applicability in any particular case. This rrsp calculator has not considered the effects of your maximum RRSP contribution limit, the tax effects of contributing over your maximum, or any maximums applicable to defined benefit plans.

This RRSP Calculator allows you to calculate the tax savings your RRSP generates in each Province and Territory. sing your monthly contributions, expected Rate of Return and number of years to retirement, estimate whether you will be able to fund your desired lifestyle with this RRSP Calculator for canadians.

The Canadian RRSP Calculator is designed and operated as a secure service to ensure the privacy of any personal information entered.

If you are married or living in a common-law relationship, you must each use the canada rrsp calculator separately and compare your results to understand your overall situation. It is also important for couples to know how a partner's death or the end of the relationship could affect their financial situation. Estate planning should be an important part of your rrsp calculation plan.
Desjardins Credit Union. was created by Ontario residents to serve
local communities of the province of Ontario.

This wide-ranging effort involves an appeal to Desjardins credit unions for help in computerizing DID's partners in Africa.

Pursuant to the terms of the Province of Ontario Savings Office Privatization Act, 2002, the Province, as vendor, Desjardins Credit Union Inc., as purchaser and Caisse centrale Desjardins, as guarantor, entered into an agreement of purchase and sale dated January 27, 2003 after participating in a competitive bid pursuant to a Request for Proposals issued by the Province. †Under the terms of the agreement, Desjardins Credit Union Inc. is to acquire substantially all of the business and deposit liabilities of the Province of Ontario Savings Office. †The Province of Ontario Savings Office deposit base acquired by the Desjardins Group is approximately $2.3 billion with 28 branches and agencies throughout Ontario. †A new credit union, Desjardins Credit Union Inc., was formed in Ontario by Desjardins for purposes of the acquisition and carrying on the business. †Financing was also arranged by the Desjardins Group for Desjardins Credit Union Inc. in the form of Class A Series 1 preferred shares and subordinated debt.

The Desjardins credit union group has reported third-quarter surplus earnings before dividends to members of $342 million, up by $75 million or 28 per cent from a year earlier. The successful bidder is Desjardins Credit Union Inc., backed by Desjardins Group, which is the sixth largest financial institution in Canada, with total assets of more than $90 billion. Desjardins Group offers a complete range of financial products and services

Are foreign and global equity funds the right investment vehicles for you? An equity fund typically won't invest in any bonds or notes. The invested funds will either be in cash or stock. True to its name, a diversified equity fund allows you to participate in the equity market while offering diversification. The equity funds manager will invest the money in different companies of different sectors, giving you plenty of variety.

In early 2004, when the going was tough for equity funds, the fund increased its investments to automobiles and construction, which provided a cushion. Here is a quick and easy way to identify equity funds that have produced strong risk-adjusted performance vis-a-vis their peers. Also known as Equity Linked Saving Schemes, these funds are diversified equity funds with a tax benefit.

Foreign and global equity funds are two types of mutual funds that invest in international stocks. However, there are differences between them that you should be aware of.

On the one hand, these equity funds offer some diversification as part of an overall portfolio (in various degrees depending on the type of foreign equity fund you choose) because the returns are based on a foreign country's economy and the strength of its currency. However, on the other hand, investing in foreign equity funds involves quite a bit of risk. Predicting the ups and downs of our own economy is difficult enough, but it's even more difficult to do with foreign countries. Last week's net inflows into emerging-market equity funds were the largest one-week numbers in over a decade.

When a hedge fund or private equity fund manager (collectively, "private equity fund managers") decides to organize a new equity fund, perhaps the most relevant information that a potential investor could be presented with would be the past performance of the existing equity funds advised by the private fund manager or a track record of the private fund manager developed at a previous employer. Although many private equity funds limit themselves to qualified purchasers, that is not the case for all. In terms of strategy, we have a distinct approach for each of our equity funds.
Why ethical investment? Ethical investment and socially responsible investment explained by the ethical investment specialists. Put simply, ethical investment seeks to invest in companies which make a positive contribution to the world and seeks to avoid companies which harm the world, its people or its wildlife. It is difficult for an individual investor to judge whether a particular company is ethical or not. Therefore, most ethical investments are held through a managed investment fund such as a unit trust or life insurance or pension fund. Funds under management in ethical investment schemes are still only small percentage of total investment funds.

If you care about your environment and about the problems of the world, you could be interested in ethical investment. There are two main reasons why you would consider investing in ethical investment funds. First, you may feel it appropriate that your investment decisions should mirror your own personal views and behaviour. Ethical investment helps you to invest according to your principles. Ethical investing has been described as more of an art than a science. Indeed a fundamental problem with ethical investment is that it is largely a self-awarded title and what may be ethically sound for one person may not be so for another.

Companies which find their way into ethical investment portfolios will have been screened to see if they match the fund's investment criteria on business practices and environmental impact. Nevertheless, over the medium to long term there's evidence that an ethical investment policy need not damage your investment returns.

How does ethical investment help with applying sustainable development? Many financial advisers and investment funds specialise in ethical investment. However, a recent ethical investment innovation now admits a few companies from these sectors if they meet the "best of sector" criteria.
Fidelity Investments Canada offers free advice on topics such as choosing a financial advisor and making the most of your advisor's expertise. Fidelity Investments is the nation's largest mutual fund company and a leading provider of financial services.


With over 50 years of experience helping investors reach their goals, Fidelity Investment can assist you in planning for the future you want.

Fidelity's investment philosophy, as outlined during the launch of its first offering this week, certainly appears to be in line with what has worked best in the Indian markets. It has certainly taken a long time for Fidelity Investments, one of the largest money managers in the world, to flag off mutual fund operations in India.

Fidelity Investment has also set store by a simple investment strategy, which will focus on selecting the best stocks, without bias towards any specific market capitalisation or investment style. One also hopes that the entry of funds such as Fidelity Investment would help streamline the distribution side of the business. Fidelity Investments and the Fidelity Funds have always been committed to maintaining the confidentiality, integrity and security of personal information about our current and prospective customers.


We hope you will take a moment to review the full privacy policy of the Fidelity Investments family of companies, including certain details that depend on whether you deal with us through an investment professional, your employer, or directly as an individual investor. Fidelity Investment uses a variety of proven protections to maintain the security of your online session.
Investment canada fund, or mutual funds, are pooled amounts invested by people with similar investment goals, who do not necessarily have any relationship with one another. The pooled amount is placed in the hands of professionals who manage the fund.

There are literally hundreds of canadian investment funds on the market: bond funds, stock funds, sector funds, specialized funds, regional funds, diversified funds, balanced funds, index funds and MANY others!

Along with other labour-sponsored investment funds in Canada, the Quebec Solidarity Fund is of interest to the ILO for several reasons. However, the Solidarity Fund retained its position as largest canada investment fund.

The investment objective of the Fund is to achieve high total investment return. Total investment return is the combination of income and changes in value. The investment canada fund seeks to achieve its objective by allocating its assets among stocks, bonds and short-term instruments issued by Canadian issuers, and by foreign issuers to the extent permitted for registered plans.

The fundamental investment objectives of the investment canadian Fund are aimed at maximizing investment returns through investment in a portfolio of Government of Canada guaranteed securities. To this end, this canada's investment Fund's investments are mainly in debt obligations issued or guaranteed by the Government of Canada. The Investment Fund will be invested such that it will be a qualified investment under the various provincial Trustee Acts.
As for trust services and canadian mutual funds, Desjardins Specialized Financial Management Services (DSFMS) realized net income of $6.9 million and a return on equity of 13.9%, compared with $5.3 million and 11.9% in 2003.

Commissions, trailing commissions, management fees and expenses all may be associated with canadian mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund canada securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds from canada are not guaranteed, their values change frequently and past performance may not be repeated.

It is an active player on international capital markets and, through its subsidiaries, is involved in securities brokerage, insurance and wealth management, as well as "mutual fund canada" and retirement plan management. Analyze and compare performance of any Canadian mutual fund for free.

Whether you simply have questions about how canadian mutual funds work, or you're ready to develop a personalized mutual fund canada portfolio, talk to one of our friendly and knowledgeable Mutual Funds Representatives today. There are currently over 2000 mutual funds available to investors in Canada

Planning your retirement is the safest means of attaining your retirement goals and accumulating enough capital to ensure the quality of life you strive for.
Contributing to a Registered Retirement Savings Plan (RRSP) is the first step in planning your retirement. At this stage of life, it's crucial to use the current tax rules and find out if you are eligible for a tax credit. This has become apparent with the rising number of Canadians who are self employed working in new careers." The survey revealed that 61 per cent of Canadians aged 40 years or more are planning a phased in form of retirement, that being progressive retirement. Those wishing to retire, 61 per cent plan on becoming self employed and working 21 hours a week on average.

Not that long ago, planning for retirement meant investing in Canada Savings Bonds and cashing CPP cheques. Today, far too many Canadians find it impossible to even save their allowable RSP contribution amounts. The Registered Retirement Savings Plan (RRSP) is one of the key elements of personal financial planning.

Planning for retirement is an essential component of any effective financial strategy. The Registered Retirement Savings Plan (RRSP) is the basic key element of personal financial planning and the Registered Retirement Income Fund (RRIF) is its indispensable extension. Planning for your retirement? It is never too early or too late... Caisse Populaire offers you different plans to choose according to your lifestyle. For example, an RRSP is a convenient payroll deduction savings vehicle for employees while a registered pension plan allows the employer to play an active role in employee retirement planning.

You can reduce your fears by taking a realistic look at how well you're planning for retirement. The sooner you start planning for retirement, the more money you'll have to play with later. A financial advisor can help you set-up a plan to meet your individual goals and needs. When it comes to financial planning for retirement, the sooner you start the better off you will be. Planning for retirement can make this time more enjoyable.

File your application for a retirement pension online! Individual early retirement pension is a special type of disability pension that can be granted on less stringent medical criteria than the regular disability pension.

If the death occurs after the member is eligible for any early retirement pension, the pre-retirement death benefit equals the commuted value of the early retirement pension had the member retired immediately prior to death.

The CPP retirement pension is based on how much, and for how long, you contributed to the Plan and the age at which you choose to retire. As of January 2004, the maximum retirement pension is $814 per month. The claim for Retirement Pension is made within six months of the retirement date. When the claim is not made within this stipulated period, the pension shall be payable with effect from the Saturday following the day on which the claim is made.


A person wishing to apply for the Retirement Pension may do so by filling in the prescribed application form. Through this website, prospective applicants may also check their estimated Retirement Pension by using the online calculator.

The rate of Retirement Pension depends on the average of contributions paid and on the income earned from gainful occupation in the last ten years prior to retirement. You cannot get a basic state Retirement Pension if you are getting Unemployability Supplement, but you will be able to receive any graduated pension or additional pension you are entitled to for contributions you have paid. In its contributory form, the retirement pension covers the loss of income suffered by a person who, having reached the established age, stops working as an employee or a self-employed worker, ending his or her working life, or reduces his or her job and salary in the terms legally set forth.
Our RRSP calculator determines the yearly benefits you can expect from government plans and then calculates what amount of capital would be required in order to provide these benefits. In the event you are planning to retire before you are eligible to receive benefits from a specific plan, the RRSP calculator will determine the capital that would be required at your expected retirement date to cover the stream of benefits slated to start at a later date.

Of particular interest for investors is the RRSP Catch-Up Loan Calculator. Developed by Industry Canada, this RRSP Calculator has been designed to make it easy for you to see the impact of various mutual fund fees on your investment return over time.

Enter in the RRSP calculator the amount to contribute to the RRSP or pay down the mortgage, the expected rate of return, mortgage rate, duration and marginal tax rate to see which option is better: paying down the mortgage or invest in an RRSP. Visit Desjardins fund and check out our RRSP calculator and other convenient retirement planning tools.

The RRSP calculator will help you determine how much your current savings will be worth and how much in future contributions you'll need to fund your desired retirement lifestyle. By completing the eight simple steps outlined below, you can determine the annual contribution required to realize your goals. The RRSP Calculator allows you to explore various scenarios determining how to meet the needs for your ideal retirement. This RRSP Calculator allows you to calculate the tax savings your RRSP generates in each Province and Territory.