L'Association provinciale des retraités d'Hydro-Québec
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Benefits

Benefit from the same exclusive advantages as active employees of the Quebec public service!

  • Life and Health Insurance
  • Savings and Investments

Free Succession Advantage when you purchase eligible life and health insurance

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Exclusive interest rates on certain investment products

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La Capitale’s High-Interest Savings Account

The Association provinciale des retraités d'Hydro-Québec (APRHQ) and La Capitale Civil Service Insurer are pleased to present the La Capitale High-Interest Savings Account.

Get up to $50 in gifts to start grow your savings!

  1. A $301 bonus when opening your La Capitale High-Interest Savings Account using promo code APRHQ.
  2. Up to $202 more deposited into your account when you start a periodic savings plan.

Here are a few benefits of the La Capitale High-Interest Savings Account:

  • No minimum balance
  • No service fees and unlimited transactions
  • Create sub-accounts for each of your projects
  • Save periodically with preauthorized debit or payroll deduction3
  • Available as a TFSA

Go ahead, save now!

Open an account

Financial Education Seminars

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Important notice – COVID-19

Please note that all our sessions will be held and broadcast as live webinars, accessible from your computer or mobile device.

To register

Consult the calendar for the next available webinars. Simply click on the session that suits you best to be directed to the registration form. 

Take part in our webinars

Description of available training

Discover all the information sessions provided by La Capitale:


Building Your Financial Future session (3hrs):

  • Building your own financial plan
  • Taking stock: Budget and financial results
  • Savings plans and investments: RRSP or TFSA?
  • RREGOP and PPMP: Everything you need to know about your pension fund
  • Liabilities: How to manage your debt
  • Taxes: Marginal rates and tax strategies
  • Mortgage insurance: Better coverage for less
  • Unexpected expenses: How to maintain your lifestyle in the event of a major event
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Planning for Financial Security During Retirement (3hrs)

  • How to create a sound financial strategy
  • The RREGOP and PPMP: Everything you need to know about your pension fund
  • The Quebec Pension Plan and Old Age Security
  • The marginal tax rate and tax strategies
  • Legal issues
  • Life and health insurance: Do I really need them and if so, how much coverage should I get?
  • Savings plans and investments: RRSP or TFSA?
  • Cashing out investments: RRIF and life annuities
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Credit rating (1 hr):

  • What is a credit report?
  • How is a credit report evaluated?
  • Avoid pitfalls that can influence your credit report
  • How you can improve your credit rating
  • Planning tools

RRSP (1 hr)

  • Marginal tax rate
  • Inflation, life expectancy and retirement age
  • Getting a good understanding of RRSPs and TFSAs
  • Your investor profile
  • Types of investment options 

PPMP (1 hr)

  • Your sources of retirement income
  • Bill 126: Changes on July 1, 2019
  • Pension eligibility
  • Basic pension calculation
  • Coordination with the QPP
  • Pension indexing
  • In the event of death
  • Service buyback

10 Successful Financial Strategies (1 hr)

  • How to turn your dreams to reality and achieve your goals
  • Protecting your plan and monitoring progress
  • How to strategically reduce your debts
  • How to cover your debts for less
  • Your marginal tax rate
  • Taking advantage of tax deferral
  • Savings plans: RRSP or TFSA?
  • How to truly diversify your portfolio
  • Don't have regrets: Plan for retirement

Building Your Financial Future: Key Points (1 hr)

  • Building a sound financial plan
  • Basic guidelines and taking stock
  • Assets and investments: RRSP of TFSA?
  • Retirement: RREGOP and PPMP
  • Marginal tax rate
  • Coverage in the event of unexpected situations
  • Action plan and strategies

Mid-Career Financial Security Planning session (3 hrs)

  • How to create a sound financial strategy
  • Legal aspects and their impact: Common-law partner or married?
  • Mortgage insurance: Better coverage for less
  • Life and health insurance: Do I really need them and if so, how much coverage should I get?
  • The marginal tax rate and tax strategies
  • The RREGOP and PPMP: Everything you need to know about you pension fund
  • The Quebec Pension Plan and Old Age Security
  • Savings plans and investments: RRSP or TFSA?
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Legal Aspects (1 hr)

  • Introduction to Quebec civil law
  • Will planning (will and legal heirs)
  • Mandate in anticipation of incapacity
  • Family property
  • Common law unions

Taxation (1 hr)

  • Marginal tax rate
  • Spousal RRSP
  • Retirement income splitting rules
  • RRSP or TFSA? Which product is right for you?

Investments (1 hr)

  • Returns, liquidity and risk
  • Types of returns: interest, dividends and capital gains
  • Types of investment options
  • The investor profile and portfolio diversification
  • Mutual funds and index accounts
  • Tips and strategies

RREGOP and PPMP (1 hr)

  • Your sources of retirement income
  • Bill 97 and 126: Changes on July 1, 2019
  • Pension eligibility
  • Basic pension calculation
  • Pension indexing
  • Service buyback

Health Savings: A valuable asset in the event of critical illness (1 hr)

  • Where you should rank health insurance in your financial security
  • The development of this type of coverage
  • Some statistics
  • Reflection on reality
  • Coverage characteristics
  • Simplified and extended coverage

Team up with your advisor for a successful financial plan! (1 hr)

  • Building your financial strategy: an overall approach
  • Life, health and disability insurance
  • How to save on your mortgage insurance?
  • Will and protection mandate
  • Sources of retirement income
  • TFSA or RRSP?
  • Tax shelters
  • Investments strategies
  • Your action plan

Does one of these subjects interest you, but does not appear on the schedule? Contact the advisor dedicated to your workplace for information and personalized answers.

New dates are coming soon. Stay tuned!

 

Contact us

Interested in one or more of our products?

To meet with your La Capitale financial security advisor

 

1 866 665-0500

Find an advisor

To speak directly by telephone to a La Capitale financial security advisor
 

1 866 612-3473

Email us

1. $30 will be paid directly into your account when you open your first La Capitale Stow & Grow Account by using promotion code that is unique to your group when registering online. | 2. $20 will be paid on set-up of a first periodic deposit. These promotions do not apply to the La Capitale Stow & Grow TFSA. Some conditions apply.  | 3. Reserved for Quebec's public service and parapublic sector employees with a participating employer.

La Capitale Civil Service Insurer Inc. is registered with the Autorité des marchés financiers under the Deposit Insurance Act.