Make the most of your RRSP
Need an overview of your retirement investments?
Discover our enhanced savings offer and tailor-made approach.
📞 Call us : 1 800 253-6665
As a shareholder, you have access to a range of Bâtirente products and services.*
To submit a cash-out application for your shares online, click here : Contact us
65 years old or over
shareholder can apply to cash out their funds* from the age of 65, regardless of their retirement status.
*Cashing out your funds means you are applying to redeem your shares held with Fondaction.
Eligibility and Application Process (in French)
Retiring
In order to submit a cash-out application for your RRSP or non-RRSP shares, or to deposit them into another RRSP or into an RRIF, you must fulfil the requirements and provide the necessary documents.
- Retirement (45 to 64 years old) (in French)
- Phased retirement (in French)
- Retirement based on the spouse’s situation (in French)
Buying your first home with the HBP
What is the HBP?
The Home Buyers’ Plan (HBP) is a government program. It allows you to withdraw up to $60,000 from your RRSP to help finance the purchase of your first home.
- Learn how to take advantage of the HBP (in French)
Other options
n order to submit a cash-out application for your RRSP or non-RRSP shares, you must fulfil the requirements and provide the necessary documents. Your eligibility will be reviewed once your application is complete. See the prospectus for details.
- Natural caregiver (in French)
- Improving a retirement pension plan (in French)
- Death or terminal illness (in French)
- Emigration (in French)
- Studies (in French)
- Ineligibility for tax credits or redemption within 60 days (in French)
- Capital injection in a business (in French)
- Disability (in French)
- Loss of employment or decrease in income (in French)
- Loss, recourse taken by a creditor or extraordinary expense (in French)
* The Comité syndical national de retraite Bâtirente inc. (“Bâtirente”) is a financial services firm registered with the Autorité des marchés financiers. It distributes only the Bâtirente plans whose administration is entrusted exclusively to Desjardins Financial Security Life Assurance Company. Fondaction and Bâtirente are two entities created at the initiative of the CSN maintaining privileged business ties. They are co-policyholders of a group annuity contract allowing Fondaction shareholders, acting collectively to foster a positive transformation of the economy, to access an expanded range of financial products. You may refer to the Policy on Conflicts of Interest on our website for further information.