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The future belongs to those who start saving early
Paying for a trip, car, home or a comfortable retirement: anything is possible if you are well informed and plan properly.
This section contains all the information you need to grow your savings and make your dreams a reality. From the stock markets to retirement savings and basic knowledge of taxation, you can rely on action plans and wise advice to make winning decisions.
3-step savings plan
Saving: easy to say, not so easy to do
True, putting money aside requires a firm commitment and constant effort. But it also pays off and is very reassuring. How to acquire the means to carry out your plans, in 3steps.
Managing your own portfolio
Investing: a matter of rigour, discipline and patience
Do you have what it takes to be a self-directed investor? To find out, see how comfortable you are by trying a 5-step exercise.
Planning your retirement at 50
Your plans and quality of life
You're in your early fifties. You know you have less and less time to retirement. Here are some steps that will help you reach your goals.
How to establish your budget at retirement
Your retirement income and needs
Here is a plan of action to implement to assess your financial needs and identify your retirement priorities and plans to help you develop the framework for your retirement savings strategy.
Saving for your vacation
A little planning, willpower…and saving
Planning a trip? Take the time to find out where you stand financially and acquire the means to travel with peace of mind.
What you need to know about investments
Your investments earn more than your savings
Although any investment inevitably includes risks (big or small), the thing to remember is that, when you invest, your investments will earn more than they will as savings. Before making any hasty decisions, engage in a 4-step investment process.
Planning your retirement at 40
Formulate your retirement savings strategy
Does it seem too early to start planning for your retirement? By tackling it now, you'll have time on your side. Here are some actions that could provide a big pay-off.
What you need to plan 6months before retirement
More than just a few details to settle
Retirement is just steps away. You'll need to spend the next few months dealing with the details of your well-earned retirement. To do so, take the steps suggested below.
Saving to buy a car
Do not sacrifice quality of life for a car
Does buying a car automatically mean going into debt or is there another approach?
Saving for your child's education
Rising tuition costs
How can you contribute to your child's future success without jeopardizing family finances or challenging the merits of higher education? Take these 3steps.
Our tips
The first steps to investing
Do you have some savings that you're thinking about investing? Some basic information to help you start off on the right foot.
- Understanding deposit insurance
- How to assess an investment's risk
- 3questions to ask before choosing a financial planner
- A condo in Florida? Watch out for the taxes!
Retirement, RRSPs and TFSAs
Contributing to an RRSP and TFSA to plan your retirement is a good thing. Capitalizing on all of these registered plans' benefits is even better! Here are some strategies for benefiting from your retirement savings.
- 5essential questions about retirement
- Retirement: RRIFs, LIFs and taxation
- Taxes at retirement
- Diversifying your RRIF investments
- Retirement: The advantages of diversification
- RRSP 101
- The advantages of making early RRSP contributions
- Contributing to your spouse's RRSP
- Withdrawing from your RRSP without penalty to buy a property
- Using your unused contribution room
- Borrowing to contribute to your RRSP
- Understanding TFSAs
- Comparing TFSAs and RRSPs
- Essential questions about TFSAs
- Should you pay down your mortgage or contribute to your RRSP?
- Why the Lifelong Learning Plan is for you
Guide to the stock exchange
Do you have mutual funds? Are you thinking about investing on your own? Are you the bond, stock or option type? These tips will give you access to financial security markets.
- Stock basics
- How stocks trade
- What causes stock prices to change
- How to read a stock table
- Why use options?
- How options work
- Types of options
- How to read an options table
- How bonds work
- Characteristics of bonds
- Understanding bond yields
- Types of bonds
- How to read a bond table
- What you need to know about mutual funds
- Understanding money markets
- Treasury bills and other money market securities
- When to report interest on market-linked guaranteed investments
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Useful links
Tools
- Desjardins Retirement Calculator
- How much will your regular instalment savings be worth?
- Your personal balance sheet (PDF, 179 KB)
- See all tools
