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Plus d’économies d’impôt avec le Fonds de solidarité FTQ Plus d’économies d’impôt avec le Fonds de solidarité FTQ Plus d’économies d’impôt avec le Fonds de solidarité FTQ Plus d’économies d’impôt avec le Fonds de solidarité FTQ

Calculate and Save

Make a quick calculation to find out the substantial extra tax savings you can get with an RRSP at the Fonds. It’s a simple and instant way to dream out loud!


taxable income:




The annual contribution
limit is $5,000



By saving
annually in an RRSP at the Fonds

  • You get tax savings of
    ( from the RRSP deduction + from the additional 25% in tax savings specific to the Fonds)*.
  • Result: your investment will only cost you .
  • Result: your investment will only cost you or per week.
  • Result: your investment will only cost you or per 2 weeks.
  • By investing at the Fonds, you help driving the Québec economy and creating jobs here at home!

* The tax credits granted to the Fonds for the 2015 tax year are 10% at the federal level and 15% at the provincial level. For the 2016 tax year, the federal and provincial rates will be 5% and 15% respectively.

Tax savings
of 2155,60 $

Contribute to Québec’s
socioeconomic development

The Fonds contributes to Québec’s economic growth by investing in over 2,500 businesses here in the province, including some in your area.

With your RRSP, the Fonds de solidarité FTQ invests in the financial well-being of all Quebecers.

With your RRSP, the Fonds de solidarité FTQ supports 2,571 Québec companies.

With your RRSP, the Fonds de solidarité FTQ contributes to the socioeconomic development of all the regions of Québec.


jobs created, maintained or protected as at May 31, 2015


as at May 31, 2015


of forests

The Fonds de solidarité FTQ created SOLIFOR, a forestry assets management company, to acquire and soundly manage private forest properties.

What is the mission of SOLIFOR? To increase the value of our forests by ensuring the sustainable development and optimal use of their resources for the benefit of future generations.

Regions of operations: Bas-Saint-Laurent, Charlevoix, Saguenay, Portneuf, Mauricie, Abitibi and Lotbinière.
Total investment: $140 million
Area: 153,000 hectares, or 4 times the size of the Montréal Island.
Solifor is the 4th largest private land owner in Québec


as at May 31, 2015

$300 million

for business succession d’entreprise

Business succession represents a challenge for the entire Québec economy. 30% of business owners plan to retire in the next 10 years. This is why the Fonds partnered with the Board of Trade of Metropolitan Montreal for the RDV Relève inc. campaign, which held in Montréal a Strategic Forum during which close to 350 people discussed the approaches to be taken.


(Source: RCGT survey conducted in collaboration with the Fonds and the BTMM, 2013)

  • 50% of Québec entrepreneurs are 65 and over.
  • Expected deficit of 38,000 business buyers by 2020.
  • 80,000 to 140,000 jobs are at stake.
  • 70% of owners say they are inadequately prepared for the succession of their company.

Consequently, thanks to the RRSPs of over 610,000 Fonds investors, our companies grow, our workers have jobs and Québec as a whole is more prosperous.


in social

A sign that it is possible to reconcile social conscience and economic spinoffs, the Fonds immobilier de solidarité FTQ has been investing in social and community projects for over 15 years. To date, it has dedicated $54 million to affordable, social and community housing.

The Le Domaine project in Pointe-aux-Trembles is a good example of that. Carried out in partnership with the Fonds d’investissement de Montréal, the project enabled the acquisition and renovation of low-income housing units.

Spectre de rue

The Fonds acquired a building that will be remodeled to have 22 rooms for young adults aged 18 to 30 in the process of re-entering the labour force.

$11 billion

in assets as
at May 31, 2015

25% more
tax savings

Who said that saving for retirement had to be “dull”? The extra tax savings you get with an RRSP at the Fonds will surely help you make your retirement project happen, but they will also help you dream out loud of projects that you would like to carry out.



With your RRSP, the Fonds de solidarité FTQ invests in many cutting-edge companies to create quality jobs.

The aerospace sector alone received investments of $364 million* that helped create over 3,000 new jobs*.

The aerospace industry employs over 42,000 highly-qualified Québec workers. In 2011, the Québec sector had total sales of $11.7 billion. (Source: Montréal International)

The Fonds accounts for over a third of the venture capital offered to companies.

* Historical figures


return as at May 31, 2015

$3.3 billion

invested in companies across Québec (5 last years)

Offers economic


With your RRSP, the Fonds de solidarité FTQ has offered to date training to 25,000 workers to help them better understand the economic issues facing their companies.

Consequently, thanks to the RRSPs of over 610,000 Fonds investors, Quebecers take over the ownership of their forests, families live in affordable housing and thousands of workers learn about the economy.


There’s more to life than retirement… With your RRSP at the Fonds de solidarité FTQ, you can do much more than you think. That’s why we call it RRSP +.

Buying your
first home (HBP)
Going back
to school
Growing your business
Taking a well-deserved retirement
You’re 65… and then?
16 other possibilities

Buying your
first home (HBP)

Do you dream of owning your home? With the Home Buyers’ Plan (HBP), you can use the money accumulated in your RRSP as down payment to buy your first house without paying any taxes. Find out whether you are eligible and meet certain conditions.

Do you have to repay your HBP with another financial institution? By making your repayments at the Fonds, you can get additional tax credits.

HBP program details

Going back
to school

To encourage you to go back to school, the Lifelong Learning Program (LLP) allows you to withdraw amounts from your RRSP to finance full-time training or education for you or your spouse. Certain conditions apply.

Going back to school program details

Growing your business

Driving our economy also means being able to use your RRSP at the Fonds to inject capital into your business to develop it and thereby create or maintain jobs.

Business growth program details

Taking a well-deserved retirement

Congratulations! You work so hard to get there…

But have you met your savings goals? Is it time to redeem or transfer your Fonds shares to a RRIF? Have you thought about phased retirement? To find answers to all our questions, read our guide!

Read our retirement planning guide

You’re 65… and then?

You’re 65 and still working? You may still redeem your shares.

In fact, if you hold your shares in an RRSP, you have until age 71 (maximum age to hold an RRSP under the Income Tax Act) to redeem your Fonds shares or transfer them to another savings vehicle.

If you do not hold your shares in an RRSP, then there is no maximum age. You can therefore keep them and continue to drive our economy.

Find out more

16 other possible
ways to use your RRSP

Find out the 16 other possible ways to use, when needed, the amounts invested in your RRSP at the Fonds.

See the 16 possibilities


You have your own lifestyle. We offer you various ways to contribute to your RRSP. Choose the one that suits you!


Each pay, you contribute a fixed amount to your RRSP and you can benefit from tax savings immediately.

Watch the video

You regularly contribute to your RRSP a fixed amount that is directly taken out of your bank account.

Watch the video

For those who would rather contribute to their RRSP once a year than contribute in several small payments.

Please read the prospectus before buying shares of the Fonds de solidarité FTQ. Copies of the prospectus may be obtained from a local representative, at the offices of the Fonds de solidarité FTQ or on its Website. The indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends, if applicable, and do not take into account income taxes payable by any securityholder that would have reduced returns. Investment funds are not guaranteed, their values change and past performance may not be repeated.