Paying less taxes

Reduced or deferred taxes if your portfolio is held in a non-registered account

• Eligible for registered and non-registered plans
• Increased value of your investments and reduced volatility
• Automatic rebalancing to ensure your portfolio reflects your investor profile and investment objectives at all times

Learn more - Melodia portfolios

Tax-deferred transfers between non-registered portfolios

• Initial investment of $100,000
• 6 portfolios for all investor profiles
• Optimize net after-tax income
• Full or partial redemption at any time
• No transaction fees (purchase, redemption, transfer)

Learn more - Chorus II portfolios

Savings component: invest your savings tax free

• Significant and immediate increase in the value of the inheritance you leave behind
• Insurance coverage and tax-free investment with minimum guaranteed interest

Universal life insurance is designed to make sure you're covered for as long as you need, and lets you invest tax-free at the same time.

This type of insurance meets your needs if:

• You want to leave a sizeable inheritance to your loved ones
• You've maxed out your RRSP and TFSA contributions

Learn more - Life insurance

Interesting tax credit and potential for long-term returns.

• Pre-retirees and retirees residing in Quebec during the taxation year in which the tax credit is claimed are eligible (investors do not have to be members of a Desjardins caisse).
• Shares are exclusive to Desjardins^[ 1 ] note.

Learn more - Capital régional et coopératif Desjardins