Helios secures your retirement plans

Boost your retirement income

Is retirement right around the corner? Do you need to make sure you meet your savings objective?

The Helios Contract’s Guaranteed Lifetime Withdrawal Benefit (GLWB) has a built-in bonus mechanism* to give your savings that extra push toward the financial finish line.

The GLWB provides you with a guaranteed retirement income for life. And if you add it to your Helios Contract, right now, every year that you don’t make a withdrawal, you’ll benefit from a bonus worth 5% of your GLWB Protected Value. This bonus will increase your guaranteed retirement income in all future years.

The bonus boosts your guaranteed retirement income

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Is the bonus a “guaranteed return”?

No, but it is a powerful tool if your main objective is to optimize your retirement income. The distinct advantage of the GLWB Bonus is that it is never at the mercy of the markets. You decide in which years you do or do not make withdrawals.

Can I cash in a bonus?

No. Once allocated to you, each GLWB Bonus is included in calculating your guaranteed income during your lifetime. You cannot cash in the accumulated value of your bonuses by terminating your Contract.

Is there a limit to how much I can accumulate in bonuses?
- You can accumulate your GLWB Bonuses for as long as you wish every year that you don’t make a withdrawal, even if you’ve received GLWB Amounts in previous years.

*Please refer to the section on the Guaranteed Lifetime Withdrawal Benefit (GLWB) in the Contract and Information Folder for more information on the rules governing the GLWB Bonus.

All information presented on this site is for illustration purposes only and is in no way an indication of past performance or future results.

Click on the underlined terms in green to access their definition. These are defined terms of the Helios Contract that can be found in the glossary of the Contract and Information Folder.

The Contract and Information Folder (PDF, 3,1 MB) contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios and the DFS Guaranteed Investment Funds. Please read it carefully before investing. Helios and DFS Guaranteed Investment Funds are registered trademarks owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.

® Registered trademark owned by Desjardins Financial Security

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