1. Group Retirement Savings Plan for the Employees of

2. Setting Sail for the Future

4. Define your Retirement Objectives
Projects
Dreams
_______
At what age?

5. The Ideal Age for Canadians
… 58 years of age !
Source : Desjardins Financial Security Retirement Survey
Source : Actuariel assumptions calculated by Desjardins Financial Security
…and what is your ideal age ?

6. How much will you need for a comfortable retirement?
A detailed budget or
The 70 % rule
Example :
Mr. Martin's situation
Current salary
$75 000
The 70% rule
x 70%
Income at retirement (in today's dollars)
= $52 500

8. Explore the various sources of income at retirement
(70% of IBR)
Income before retirement (IBR) 8

9. Plan Highlights Type of Plan: Group RRSP Plan Objective:
Save for retirement
Eligibility to plan:
1 year of employment
Participation:
Voluntary
Spousal account authorized

10. Plan Highlights Contributions : Employees: 1% to 17% of salary
Employer:
100% on the 1st 1% of employee contribution (maximum of $ 300)
Transfers from other plans:
allowed

11. Plan Highlights Destination RRSP, RRIF, Cash
Benefits upon termination:
Destination RRSP, RRIF, Cash
Benefits upon death:
Cashable by the beneficiary,
Transferable to the surviving spouse
Withdrawals while employed:
Allowed for employee contributions only

12. Advantages of your Pension Plan
The company contributes on your behalf
Payroll deductions reduce your taxable income
Wide selection of funds to choose from
No minimum or maximum investment per fund
Easy member access to information and assistance

13. Start Early and Accumulate More !
Contribution of $2 000 annually or $5.50 per day
Time is on your side…

14. Time is on your Side! Investment of $20 x 52 weeks x 40 years
126% more in savings !
Accumulated value
at retirement
Investment of $20 x 52 weeks x 40 years
Investment of $40 x 52 weeks x 20 years
Accumulation period
* Estimated annual return of 6.5%

16. A Three-Step Approach Fill out the questionnaire
Determine your investor profile
Choose your investments

17. Identify your risk tolerance
Determine your Investor Profile *
Identify your risk tolerance
Secure
Moderate
Balanced
Growth
Energetic
Speculative
* Questionnaire available on our Participant Services Web site or in your Enrolment kit

18. Choose your Investments *
Based on your investor profile…
Select a lifecycle path
3 lifecycle paths available
Adapted to your age and risk tolerance
As per a study done in june 2005, 80% of our participants are invested in the portfolios.
People spend more time planning their annual trip than planning their retirement.
Select your funds
6 multi-management funds or
guaranteed fund or
* Refer to the "My Investment Funds" document to know the options applicable to your plan

19. Select a Lifecycle Path
Your investor
profile
Your
age
Your path towards
retirement
Secure Path
Automatic evolution of investments
Quarterly rebalancing

20. Select your Funds Pre-determined asset allocation
Multi-management 20/80 Fund
Multi-management 35/65 Fund
Multi-management 100 Fund
Multi-management 80/20 Fund
Multi-management 65/35 Fund
Multi-management 50/50 Fund

21. Select your Funds Guaranteed Fund Guaranteed return Term of 5 years
Redeemable at any time

22. For your retirement, focus on long term returns
Returns: Short Term vs. Long Term
The damage created by a market downturn is temporary if you stay invested!
For your retirement, focus on long term returns

24. Setting Sail for the Future Education Centre Guidance & support in planning your retirement
Setting Sail for the Future Phone line
Human touch services
Specialized agents
Transactional services
Changes to your plan
Assistance on choice of
investments

25. Setting Sail for the Future Education Centre Guidance & support in planning your retirement
Participant Services Web site
Complete array of dynamic tools to help you plan your retirement
Simple and complete transactional services
Information on your account
Changes to your plan

26. Setting Sail for the Future Education Centre Guidance & support in planning your retirement
Communication tools for participants
Enrolment kit
Setting Sail for the Future newsletter
Statement
Investment Info bulletin
Targeted
Integrated
User-friendly

28. Participant Statement
Account summary
Asset allocation
Investment directions
Personalized rate of return

29. Review your Action Plan
Life stages:
Joining the labour force
Career and family
Mid-life
Life events:
Career/job changes
Marriage
Birth
Death

30. Thank you!