When can I withdraw my pension plan?

Pension plans are long-term savings products primarily designed for retirement, and therefore their liquidity is limited.

As a general rule, you may withdraw your pension plan in the following situations:

• Retirement
• Permanent disability
• Death (in this case, by the beneficiaries)
• Exceptional liquidity situations, such as long-term unemployment or serious illness

In addition, you may also access the vested rights corresponding to contributions made at least 10 years earlier, under the terms established by current regulations.

Please note that, when the pension plan is withdrawn, the benefits are taxed as employment income for Personal Income Tax purposes.