Retraite Québec 


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.

    • 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