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Desjardins Group RRSP: Everything You Need to Know

Registered Retirement Savings Plans (RRSPs) are an essential tool for Canadians looking to save for their retirement. Desjardins Group, one of the largest cooperative financial groups in Canada, offers a variety of RRSP options tailored to individual financial goals and needs. Understanding the Desjardins Group RRSP can help individuals make informed decisions about their retirement savings.

What is an RRSP?

An RRSP is a tax-advantaged investment account designed to help Canadians save for their retirement. Contributions made to an RRSP are tax-deductible, meaning they can reduce the amount of income tax an individual pays in a given year. Additionally, investments held within an RRSP can grow tax-free until they are withdrawn in retirement.

Desjardins Group RRSP Options

Desjardins Group offers a range of RRSP options to suit different investment preferences and risk profiles. Individuals can choose from a variety of investments, including mutual funds, GICs, stocks, and bonds, to build a diversified RRSP portfolio that aligns with their financial goals.

For those looking for a hands-off approach to investing, Desjardins Group also offers professionally managed RRSP options, such as target-date funds or balanced funds, which adjust the investment mix over time to align with retirement goals.

Benefits of a Desjardins Group RRSP

There are several benefits to holding an RRSP with Desjardins Group. These include:

  • Access to a diverse range of investment options
  • Professional investment management for hands-off investors
  • Convenient online account access and management
  • Flexible contribution options to suit individual financial situations
  • Expert financial advice and support from Desjardins Group representatives

Considerations When Investing in an RRSP

When investing in an RRSP, it is essential to consider factors such as investment time horizon, risk tolerance, and retirement goals. Working with a financial advisor can help individuals create a customized RRSP strategy that maximizes growth potential while managing risk.

It is also important to review and adjust an RRSP portfolio regularly to ensure it remains aligned with changing financial circumstances and retirement objectives.


Desjardins Group RRSPs offer Canadians a valuable tool for saving for retirement with a range of investment options and professional management solutions. By understanding the benefits and considerations of a Desjardins Group RRSP, individuals can make informed decisions to secure their financial future.

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