When you buy Fonds de solidarité FTQ shares that aren't registered in an RRSP, you:
- get 30% in tax savings.*
- benefit from the same return as if you'd contributed to the RRSP+.
- are only taxed 50% on capital gains.**
*The tax credits granted to the shareholders of the Fonds are 15% at the federal level and 15% at the provincial level. Tax credits are capped at $1,500 per tax year, which corresponds to purchases of Fonds de solidarité FTQ shares having a value of $5,000.
** Capital gain inclusion rate for 2017. This rate may change in the future.