My retirement project

Select the image that best represents your retirement project.






Plan my retirement

The information below is requested so that you can obtain a personalized retirement projection.

A. Profile


This information affects your retirement projection and enables us to propose personalized solutions for you since life expectancy is generally higher among women than men.

Date of birth

This information is used to do a more precise, personalized retirement projection.

Expected retirement age

Enter the age at which you would like to take full retirement.

Postal code

This information is used to do a more precise, realistic retirement projection that takes into account the income tax rates in effect for your province of residence.

B. Savings

Risk tolerance

Your tolerance for risk will determine the rate of return used for your retirement projection. To help you evaluate your risk tolerance, answer the question in the next paragraph.

Consider the following hypothetical situation: You invest $10,000 over a time horizon covering a number of years. Which of the following scenarios would you be most comfortable with after three years*?

Value of a $10,000 investment after three years

graphique risque
graphique risque
graphique risque

Scenario A (Low risk tolerance), Scenario B (Moderate risk tolerance), Scenario C (High risk tolerance).

* The estimates mentioned in this question have been chosen to include 95% of historical results and they are based on actual data since 1970. However, there is no guarantee of capital, nor that future fluctuations will not exceed the minimum and maximum thresholds indicated from historical data.

Registered savings

Include only the amounts you have saved for retirement in the following investment vehicles:

  • Registered Retirement Savings Plan (RRSP)
  • Locked-in RRSP
  • Registered Retirement Income Fund (RRIF)
  • Life Income Fund (LIF)
  • Locked-In Retirement Account (LIRA)

TFSA savings

Include only the amounts you have saved in your Tax-Free Savings Accounts (TFSAs).


Non-registered savings

Include only the amounts you have saved in non-registered accounts. Do not include any savings in registered accounts or TFSAs.


Savings with your employer

Include only the amounts you have saved in the following investment vehicles:

  • Defined contribution pension plan
  • Group Registered Retirement Savings Plan (Group RRSP)
  • Deferred Profit Sharing Plan (DPSP)
  • Simplified Pension Plan (SPP)
  • Voluntary Retirement Savings Plan (VRSP)

Take into account only your savings in retirement plans for which no pension benefits will be payable.


C. Income


Current gross annual income

Enter your current gross annual income (before income taxes) as it appears on your tax return.

Include employment income (salary, bonuses), commissions, spousal support payments, etc.

Employer pension plan

Include only the amount of the pension payable by a defined benefit plan. Answer “yes” only if you have a defined benefit pension plan, i.e., you do not control the investments and you know in advance the amount of the pension that you will receive after you retire.


Estimated annual pension amount after retirement

Enter the estimated annual amount of the pension payable by your defined benefit pension plan at the time of your retirement.

This information can be found on the annual pension statement issued by your employer.

Other expected annual income after retirement

Answer “yes” if you expect to receive other annual income after you retire, such as rental income, dividends or income from part-time work.

Do not include government pension benefits (Old Age Security (OAS) pension, Canada Pension Plan (CPP), Quebec Pension Plan (QPP) or Guaranteed Income Supplement (GIS)) or investment income.


Estimated amount of other expected annual income after retirement

Enter the annual taxable amount – in today’s dollars – that you expect to receive after you retire.