{"id":838942,"date":"2016-08-08T12:23:46","date_gmt":"2016-08-08T16:23:46","guid":{"rendered":"https:\/\/desjardinsmunicipal.com\/products\/produits-depargne-collectifs\/"},"modified":"2026-05-07T16:42:24","modified_gmt":"2026-05-07T20:42:24","slug":"group-savings-products","status":"publish","type":"page","link":"https:\/\/desjardinsmunicipal.com\/en\/products\/group-savings-products\/","title":{"rendered":"Group savings products"},"content":{"rendered":"

[vc_row type=”full_width_section” bg_image=”15755″ bg_color=”#f9f9f9″ top_padding=”250″ bottom_padding=”140″ class=”page-header”][vc_column width=”1\/1″ el_class=”page-header-content”]

Group savings products<\/h1>[\/vc_column][\/vc_row][vc_row class=”bloc-light”][vc_column width=”1\/1″]

It pays to pool your savings<\/h3>
<\/div>[vc_column_text]<\/p>\n

Our caisse partners with municipal employee unions and Desjardins S\u00e9curit\u00e9 financi\u00e8re to bring you competitive group savings products. Simply put, it is a savings plan available exclusively to groups of workers, giving you access to economies of scale and benefits like reduced management fees!<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=”0″ bottom_padding=”20″ class=”produits-one-third”][vc_column width=”1\/1″]

Plenty of benefits!<\/h2>[vc_row_inner][vc_column_inner width=”1\/3″][vc_column_text]<\/p>\n

Take advantage of the following benefits<\/strong><\/p>\n

 <\/p>\n

    \n
  • Savings on management costs<\/li>\n
  • Faster growth of your capital<\/li>\n
  • Option to include your spouse<\/li>\n
  • No minimum deposit to access preferential rates<\/li>\n<\/ul>\n

     <\/p>\n

    [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text]<\/p>\n

    Choose the savings plan that works for you:<\/strong><\/p>\n

     <\/p>\n

      \n
    • Defined contribution pension plan (DCPP)<\/li>\n
    • Registered retirement savings plan (RRSP)<\/li>\n
    • Simplified pension plan (SPP)<\/li>\n
    • Tax-free savings account (TFSA)<\/li>\n
    • Non-registered savings plan (NRSP)<\/li>\n
    • Investments<\/li>\n<\/ul>\n

      [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text]<\/p>\n

      Multiple ways to withdraw your savings when the time is right:<\/strong><\/p>\n

       <\/p>\n

        \n
      • Locked-in retirement account (LIRA)<\/li>\n
      • Group life income fund (PLIF)<\/li>\n
      • Group registered retirement income fund (RRIF)<\/li>\n
      • Life annuity<\/li>\n<\/ul>\n

         <\/p>\n

        [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row bg_image=”17839″ class=”bloc-content-center produit-hero”][vc_column width=”1\/4″][\/vc_column][vc_column width=”1\/2″ el_class=”center”]

        Beneficiary associations<\/h2>[vc_column_text]<\/p>\n

        At this time, members of the following associations are eligible:<\/strong><\/p>\n

         <\/p>\n

          \n
        • Association des pompiers de Montr\u00e9al Inc. (APM)<\/li>\n
        • Syndicat des pompiers et pompi\u00e8res du Qu\u00e9bec (SPQ)<\/li>\n
        • Quebec municipal employees<\/li>\n
        • Conseil provincial du secteur municipal (CPSM-SCFP)<\/li>\n<\/ul>\n

          [\/vc_column_text][\/vc_column][vc_column width=”1\/4″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

          [vc_row type=”full_width_section” bg_image=”15755″ bg_color=”#f9f9f9″ top_padding=”250″ bottom_padding=”140″ class=”page-header”][vc_column width=”1\/1″ el_class=”page-header-content”][\/vc_column][\/vc_row][vc_row class=”bloc-light”][vc_column width=”1\/1″][vc_column_text] Our caisse partners with municipal employee unions and Desjardins S\u00e9curit\u00e9 financi\u00e8re to bring you competitive group savings products. Simply put, it is a savings plan available exclusively to groups of workers, giving you access to economies of scale and benefits like reduced management fees! [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=”0″ bottom_padding=”20″ class=”produits-one-third”][vc_column width=”1\/1″][vc_row_inner][vc_column_inner width=”1\/3″][vc_column_text] Take advantage of the following benefits   Savings on management costs Faster growth of your capital Option to include your spouse No minimum deposit to access preferential rates   [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text] Choose the savings plan that works for you:   Defined contribution pension plan (DCPP) Registered retirement savings plan (RRSP) Simplified pension plan (SPP) Tax-free savings account (TFSA) Non-registered savings plan (NRSP) Investments [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text] Multiple ways to withdraw your savings when the time is right:   Locked-in retirement account (LIRA) Group life income fund (PLIF) Group registered retirement income fund (RRIF) Life annuity   [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row bg_image=”17839″ class=”bloc-content-center produit-hero”][vc_column width=”1\/4″][\/vc_column][vc_column width=”1\/2″ el_class=”center”][vc_column_text] At this time, members of the following associations are eligible:   Association des pompiers de Montr\u00e9al Inc. (APM) Syndicat des pompiers et pompi\u00e8res du Qu\u00e9bec (SPQ) Quebec municipal employees Conseil provincial du secteur municipal (CPSM-SCFP) [\/vc_column_text][\/vc_column][vc_column width=”1\/4″][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":838896,"menu_order":-1000,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-838942","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nGroup savings products | Caisse Desjardins du R\u00e9seau municipal<\/title>\n<meta name=\"description\" content=\"Notre caisse collabore avec les syndicats d\u2019employ\u00e9s municipaux et Desjardins S\u00e9curit\u00e9 financi\u00e8re afin de vous offrir des produits d\u2019\u00e9pargnes collectifs avantageux.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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