Savings and investments

Plan for the future and grow your money with our savings and investment products.

Savings plans for all your needs

Registered savings plans offer numerous tax benefits and allow you to achieve your goals, such as saving for retirement, a child's education or your first home, or building an emergency fund.

TFSA

Pre-TFSA promotion

RRSP

FHSA

RESP

See all savings plans

Goals-based investing

Explore our investment products and see which ones are best for your goals. Need help? Contact your advisor to discuss your savings goals.

See our investment rates

Guaranteed fixed-rate investments (term savings)

Enjoy a known return on your investment from day one. Both your principal and interest are guaranteed.

Market-linked guaranteed investments

Harness the growth potential of stocks without risking your capital.

Desjardins Funds

Invest in innovative and competitive fund portfolios tailored to your profile. 1

Savings accounts

Save your money with no required minimum deposit and no service fees.

Other investment options

Guaranteed Investment Funds Helios2 Contract

Earn interest while protecting your estate and your savings. 2

Responsible annuities

Convert your RRSP to an annuity to receive guaranteed regular income and help create a more sustainable world.

Capital régional et coopératif Desjardins

Get a provincial tax credit and potential returns while supporting businesses across Quebec. 3

Federation capital shares

Invest in and support your financial cooperative.

Responsible investment pays off

Commit to a sustainable and equitable economy by investing in businesses that value the environment, the community and diversity. With our socially responsible investments, you can grow your money while taking action for the future.

Discover our responsible investment products

Understand the basics of investing

If you're just starting to invest your money, take the time to understand some basic investment concepts, such as types of investments, how returns work and different savings plans. Your goals, investment horizon and risk tolerance can help you choose, as well as determining your investor profile.

Your advisor can help you make sense of everything and lend a hand with your investment goals.

Learn more about investment basics

Helpful tools

Your savings and investment assistant

Compare savings plans

Interested in self-directed investing?

Whatever your level of investment knowledge, we offer everything you need to make informed decisions and invest on your own with confidence.

Discover online brokerage

Group retirement savings

Does your employer offer a group retirement savings plan? Explore the benefits of participating and start contributing.

Learn more about group retirement savings

Economic studies

Read publications from our economists for the latest economic and financial news.

See all our publications

Desjardins Funds are not guaranteed, their value fluctuates frequently, and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by registered dealers.

DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company. Helios2 and DFS Guaranteed Investment Funds are registered trademarks of Desjardins Financial Security Life Assurance Company. The Desjardins brand is a trademark owned by the Fédération des caisses Desjardins du Québec, used under licence.

CRCD shares are not guaranteed; their value fluctuates frequently and their past performance is not indicative of future returns. Investment fees may apply. Please read the prospectus before investing.