Diapason Retirement Portfolios

An Investment Solution that Works for You

This effective, personalized turnkey solution makes it easier to manage your finances at retirement.

Diapason Retirement Portfolios are a natural extension of the Diapason Portfolios.

Characteristics
Initial investment	- $25,000 and over for the customized income and T-Class income options
Eligibility	- Registered accounts (RRSPs, RRIFs, LIRAs, and LIFs) - Non-registered accounts - TFSAs
Asset classes	- Fixed-income securities - Stocks - Specialized investments
Management styles	- Diverse management styles for both stocks and fixed-income securities
Rebalancing	- Automatic - Regular

Advantages of Diapason Retirement Portfolios

• Increased value of your investments and reduced volatility
• Stability and longevity of your capital
• Regular income
• A global approach that simplifies access to a combination of Desjardins Funds selected for their quality and complementarity
  
• Automatic rebalancing to ensure your portfolio reflects your investor profile and investment objectives at all times
  
• Reduced or deferred taxes if your portfolio is held in a non-registered account

Family of Diapason Retirement Portfolios

Diapason Retirement Portfolios provide you with a customized solution to help you get the most out of your new life. They are listed here in increasing order of volatility and potential returns.

	Diapason Retirement Portfolio B Generates steady income while focusing on capital protection
	Diapason Retirement Portfolio C Provides stability as well as minimal capital growth
	Diapason Retirement Portfolio D Strikes a balance between steady income and capital growth
	Diapason Retirement Portfolio E Aims for steady income and moderate capital growth
	Diapason Retirement Portfolio F Favors growth via prudent investments
	Diapason Retirement Portfolio G Aiming for high income and growth through prudent investments, this portfolio can protect you against cost-of-living increases

Investment Approach

Your Desjardins advisor:

• Determines your investor profile with you
• Guides you in choosing the portfolio that’s right for you
• Explores retirement income options
• Follows up on your investment strategy to ensure it continually meets your needs

To determine your investor profile and choose the best portfolio for you, talk to a Desjardins.

How to get this service
Online	AccèsD allows you to acquire shares in a Desjardins Funds that you already hold (Desjardins Funds existing accounts).
By phone (Members)	Montreal area: 514-522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
At the caisse	Make an appointment with a caisse advisor: online by phone