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Planning Your Retirement

Jump start your retirement planning! Even if public plans provide part of your income, you should begin planning your retirement as soon as possible.

 

Throughout your career

 

  • Consult the various sources of information listed below for help with planning your retirement:
    • Find out how to plan your retirement in three easy steps.
    • Learn more about the Québec Pension Plan.
    • To maintain your standard of living in retirement, it may be necessary to round out your income with private pension plans and personal savings.
    • If you are a member of a private sector pension plan (RREGOP or PPMP) read the pamphlet Destination Retirement This link will open in a new window.. The pamphlet is full of information that can guide you throughout your career. It touches on situations that may have an effect on your public-sector retirement pension: buy-backs, separation or divorce, disability, preventative withdrawl and termination of employment.
    • Consult the various documents regarding public-sector pension plans (RREGOP, PPMP, etc.) as well as those regarding life events (breakdown of a union, death, etc.). The information they contain may affect the amount of your public-sector pension.
    • Sign up for INFO.RQ and MAG.RQ as well as our blog This link will open in a new window. to receive information and news on Retraite Québec and its programs.
  • Take part in an information session planned in collaboration with your employer and Retraite Québec:
  • Plan for your retirement and determine how much you need to save with our retirement income simulation tools.

 

 

 In the leadup to your retirement

 

  • Learn about the various sources of income in retirement:
  • Sign up for our Retirement Planning Information Session (RPIS)

    The sessions are for all members of public-sector pension plans who plan to retire within the next five years. The RPIS provides a wealth of useful information concerning public-sector pension plans, and the Québec Pension Plan. It also provides information on certain legal, psychosocial, financial and other aspects of retirement. This information will help you make informed decisions.
  • Simulate your retirement income with the help of our online tools:
    • To get a personalized picture of your retirement income, use SimulR or SimulRetraite.
    • Use the Pension Estimator to find out how much you could receive under the RREGOP or the PPMP.

      OR
    • Request an estimate of your retirement pension under a public-sector pension plan (the RREGOP or the PPMP), 4 to 14 months before you intend to retire by completing an Application for Pension Estimate This link will open in a new window. (009A) form