The Guaranteed Minimum Withdrawal Benefit

To realize your retirement projects without worrying about losing your investments, the Helios Contract provides you with a guaranteed and predictable retirement income, regardless of market fluctuations.

By choosing the Guaranteed Minimum Withdrawal Benefit (GMWB) option, you:
 

• Receive a specific amount of income, for a specific number of years*;
• Recover the full value of your Contract, at the time of selection of the GMWB, even if the Market Value falls to $0;
• Take advantage of remaining GMWB income resets, every three years, according to market upturns;
• Have the flexibility of adjusting your GMWB Amount and duration;
• Have the option of adding the GMWB at any time, when you deem fit.
  
  * Provided that the maximum amount of withdrawals allowed by the GMWB is not exceeded.
   

Recovery of 100% of your Helios Contract value

Any amount allocated to the Helios Contract is invested at the risk of the Contractholder and may increase or decrease in value. The Helios Contract offers the GMWB option. The graph above illustrates full recovery of the Contract at the time of selection of the GMWB with an income of 7% over 14 years and 2% during year 15. This simulation is neither an indication nor a guarantee of future results.

The GMWB allows you to enjoy your retirement knowing you will recover the complete value of your Contract.

Take on new projects with confidence!

The GMWB option lets you take on new retirement projects with complete confidence.

Every three years, the remaining GMWB income is compared to the Market Value. If the Market Value is higher, your remaining GMWB income is increased according to market upturns.

Resets of your remaining GMWB income

Any amount allocated to the Helios Contract is invested at the risk of the Contractholder and may increase or decrease in value. The Helios Contract offers the GMWB option. The graph above illustrates how the remaining GMWB income is increased, every three years, when the Market Value is higher. This simulation is neither an indication nor a guarantee of future results.

The GMWB resets can increase the duration and possibly the amount of your income and therefore, allow you to take on new projects.

The Contract and Information Folder contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios and the Desjardins Financial Security Guaranteed Investment Funds. Please read it carefully before investing.

Helios is a trademark owned by Desjardins Financial Security. The Desjardins Financial Security Guaranteed Investment Funds are established by Desjardins Financial Security. The Desjardins Financial Security Guaranteed Investment Funds are sold exclusively within Canada.

The information in this communication is subject to change without notice. This communication is published by Desjardins Financial Security for information purposes only and should not be considered personal investment advice. It is not intended to provide legal, accounting, investment or tax advice, and should not be relied upon in that regard.

Every effort has been made to ensure that facts and data contained herein are accurate at the time of publication. However, Desjardins Financial Security cannot guarantee that they are accurate or complete or that they will be current at all times and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein.