2. Group Retirement Savings Plan for the Employees of

3. 2 Setting Sail for the Future

5. 4 Define your Retirement Objectives Age 55 Age 55 Age 60 Age 65 At what age?  Projects  Dreams  _______

6. 5 The Ideal Age for Canadians Source : Actuariel assumptions calculated by Desjardins Financial Security … 58 years of age ! …and what is your ideal age ? Source : Desjardins Financial Security Retirement Survey

7. 6 How much will you need for a comfortable retirement? The 70 % rule Example :Mr. Martin's situation Current salary$75 000 The 70% rulex 70% Income at retirement (in today's dollars) = $52 500 A detailed budget or

9. 8 8 Explore the various sources of income at retirement Income before retirement (IBR) Income at retirement (70% of IBR)

10. 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

11. 10 Contributions : Employees:1% to 17% of salary Employer: 100% on the 1st 1% of employee contribution (maximum of $ 300) Transfers from other plans: allowed Plan Highlights

12. 11 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 Plan Highlights

13. 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

14. 13 Start Early and Accumulate More ! Contribution of $2 000 annually or $5.50 per day Time is on your side…

15. 14 Time is on your Side! * Estimated annual return of 6.5% 126% more in savings !  Investment of $20 x 52 weeks x 40 years  Investment of $40 x 52 weeks x 20 years Accumulated value at retirement Accumulation period

17. 16 A Three-Step Approach 1.Fill out the questionnaire 2.Determine your investor profile 3.Choose your investments

18. 17 Determine your Investor Profile * * Questionnaire available on our Participant Services Web site or in your Enrolment kit Identify your risk tolerance Balanced Growth Energetic Speculative Secure Moderate

19. 18 Choose your Investments * Select a lifecycle path 3 lifecycle paths available  Adapted to your age and risk tolerance Select your funds 6 multi-management funds or guaranteed fund Based on your investor profile… * Refer to the "My Investment Funds" document to know the options applicable to your plan or

20. 19 Select a Lifecycle Path Your investor profileYourage Your path towards retirement Secure Path Automatic evolution of investments Quarterly rebalancing

21. 20 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 Select your Funds

22. 21 Guaranteed Fund  Guaranteed return  Term of 5 years  Redeemable at any time Select your Funds

23. 22 For your retirement, focus on long term returns The damage created by a market downturn is temporary if you stay invested! Returns: Short Term vs. Long Term

25. 24 Setting Sail for the Future Education Centre Guidance & support in planning your retirement Setting Sail for the Future Phone line Transactional services Changes to your plan Assistance on choice of investments  Human touch services  Specialized agents

26. 25 Participant Services Web site  Complete array of dynamic tools to help you plan your retirement www.dfs.ca/participant Simple and complete transactional services Information on your account Changes to your plan Setting Sail for the Future Education Centre Guidance & support in planning your retirement

27. 26  Enrolment kit  Setting Sail for the Future newsletter  Statement  Investment Info bulletin Setting Sail for the Future Education Centre Guidance & support in planning your retirement Communication tools for participants Targeted Integrated User-friendly

29. 28 Participant Statement  Account summary  Asset allocation  Investment directions  Personalized rate of return

30. 29 Review your Action Plan Life stages:  Joining the labour force  Career and family  Mid-life Life events:  Career/job changes  Marriage  Birth  Death

31. 30 Thank you!