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My retirement savings

Retirement? Between realities and uncertainties

Retirement? Between realities and uncertainties

What is a retirement savings plan (PER)?

  • The PER is a retirement savings solution that allows you to access your funds either as a regular income (annuity) or as a lump sum, depending on the contribution arrangements and your choice when you draw on the plan at retirement.
  • Your retirement savings can be made available if needed through early withdrawal options.
  • The PER enables you to save under favourable conditions.

The PER is available in three forms: the individual PER (formerly known as PERP or Madelin contract), and two company-based PERs—the collective company PER and the mandatory company PER (previously known as PERCO and Article 83, following the same model as the individual PER).

Discover company retirement savings plans (PERs):


To learn more

Vidéo sur comment épargner pour sa retraite et les différentes solutions de placement de votre retraite.

Alexandre DAY explains why saving for retirement is essential and presents the different investment solutions available.

Watch the video


Spotlight on

How much will I be getting when I retire?

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