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Group Retirement Savings Plan for the Employees of

Discover the ideal age and financial needs for a comfortable retirement. Take advantage of a group retirement savings plan tailored for employees. Learn about investment options, asset allocation, and long-term returns to secure your future. Access expert guidance, educational resources, and personalized support to help define your retirement objectives, projects, and dreams. Start early, accumulate more, and choose the right path towards a secure retirement. Plan highlights include company contributions, tax benefits, flexible investments, and easy access to information. Secure a prosperous future by setting sail for retirement success today!

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Group Retirement Savings Plan for the Employees of

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  1. Group Retirement Savings Plan for the Employees of

  2. Setting Sail for the Future

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

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

  5. How much will you need for a comfortable retirement? A detailed budget or The 70% rule

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

  7. Plan Highlights

  8. Plan Highlights

  9. Plan Highlights

  10. Advantages of your 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

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

  12. Time is on your Side! 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%

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

  14. 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

  15. Choose your Investments * Based on your investor profile… or * Refer to the "My Investment Funds" document to know the options applicable to your plan

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

  17. Secure profile Moderate profile Balanced profile Multi-management 20/80 Fund Multi-management 35/65 Fund Multi-management 50/50 Fund Multi-management 65/35 Fund Multi-management 80/20 Fund Multi-management 100 Fund Growth profile Speculative profile Energetic profile Select your Funds Pre-determined asset allocation Quarterly rebalancing

  18. Select your Funds

  19. Returns: Short Term vs. Long Term • The impact of a market downturn is temporary if you stay invested! For your retirement, focus on long-term returns

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

  21. Setting Sail for the Future Education CentreGuidance & support in planning your retirement 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

  22. Setting Sail for the Future Education CentreGuidance & 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

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

  24. Review your Action Plan

  25. Thank you!

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