Automatic RRSP+

30%

more tax
savings

Make it easy for you,
Save each pay period.

The RRSP+ at the Fonds is an attractive investment adapted to your savings objectives

The RRSP+

The RRSP+

The RRSP+ at the Fonds gives you more than an ordinary RRSP—it's that simple.

Do more with every paycheque

With the tax refund you get each pay period, a $1,000 contribution of an RRSP+ with the Fonds only costs $12.65* every two weeks!

Responsible choices

While you're waiting for your investment to mature, your savings are invested in Québec to create jobs and benefit our businesses.

Online, in 5 minutes

With the RRSP+, there's no need to see a financial advisor. Contribute online whenever it suits you—it's fast and easy! Already a Fonds shareholder? Switch to payroll deduction!

*Example based on an individual with an annual taxable income of $50,000, at a marginal rate of 37.1%, receiving 26 paycheques per year and benefiting from the RRSP deduction and the immediate 30% in tax credits on their pay. Valid for the 2017 taxation year.

My first RRSP

My first RRSP

Can you save money and still enjoy all the good things in life? You can with the RRSP+ at the Fonds. It gives you more than a regular RRSP!

RRSPs aren't just for retirement!

With its attractive tax credits, the RRSP+ allows you to save for your future projects, like buying your first home, while still enjoying all the good things life has to offer!

Saving is easy!

By choosing to save a small amount with every paycheque, you can prepare for the future without even realizing it!

Support the local economy

While waiting for your investment to mature, your savings are invested responsibly and sustainably in local businesses that make a big difference in your everyday life!

I'm saving on my taxes

I'm saving on my taxes

Save on your taxes, optimize the amount of your return and still take advantage of all life has to offer!

Do more with each paycheque

A $5,000 contribution to an RRSP+ at the Fonds costs less than $65* per paycheque!

Home sweet home

Saving to participate in the HBP or transferring one from another financial institution to the Fonds means 30% more money in your pocket. So you can finally refinish the basement or even repaint every room!

A responsible choice

While waiting for your investment to mature, your savings are invested in Quebec to create jobs and benefit our businesses.

*Example based on an individual with an annual taxable income of $50,000, at a marginal rate of 37.1%, receiving 26 paycheques per year and benefiting from the RRSP deduction and the immediate 30% in tax credits on their pay. Valid for the 2017 taxation year.

I'm saving stress-free

I'm saving stress-free

With the RRSP+ at the Fonds you'll make your life easier, automate your contributions and optimize your savings!

Peace of mind

Automatic payroll deductions mean no more RRSP contribution deadline stress! Simplify your life and automate your contributions today!

Do more with each paycheque

With the tax refund you get each pay period, a $1,000 contribution of an RRSP+ with the Fonds only costs $12.65* every two weeks!

Online, in 5 minutes

Start contributing and change your contributions at any time—it's fast and easy!

*Example based on an individual with an annual taxable income of $50,000, at a marginal rate of 37.1%, receiving 26 paycheques per year and benefiting from the RRSP deduction and the immediate 30% in tax credits on their pay. Valid for the 2017 taxation year.

I'm retiring soon

I'm retiring soon

With the RRSP+ at the Fonds, it only takes a few minutes to diversify your savings and maximize your retirement planning!

Optimize by paying less taxes

With its attractive tax credits, the RRSP+ gives you a $5,000 RRSP that only costs $1,645, or $63.27 per paycheque!*

Online, in 5 minutes

With the RRSP+, there's no need to see a financial advisor. Contribute online whenever it suits you—it's fast and easy! Already a Fonds shareholder? Switch to payroll deduction!

Support our economy

While waiting for your investment to mature, your savings are invested in Quebec to create jobs and benefit homegrown businesses.

*Example based on an individual with an annual taxable income of $50,000, at a marginal rate of 37.1%, receiving 26 paycheques per year and benefiting from the RRSP deduction and the immediate 30% in tax credits on their pay. Valid for the 2017 taxation year.

Calculate and save The RRSP+ is a made-to-measure saving solution! Choose between periodic or lump-sum contributions.

Your savings plan

Your taxable annual income

Periodic or single payments?

Bi-weekly

0

$192

Annually

0

$5000

Total tax savings .......

  +  

RRSP deduction

30% Fonds tax credit

Actual cost

A RRSP+ costs you

  / bi-weekly

or

  / annually

« Financial planner Dany Provost notes that a good RRSP strategy includes investment in a labour sponsored fund. »

Read more in Les Affaires

The RRSP+ at the Fonds: The profitable, responsible choiceWhile you're waiting to benefit from them, your savings drive our economy. Learn how!

1

Your 4,000$ contribution to the RRSP+

2

added to those of 618,551 shareholder-savers

3

make it possible for the

4

to create, maintain and protect 187,414 jobs

5

in 2,600 local businesses

Click here

Click
here

Ready to save?

Invest now in an RRSP+!

Frequently Asked Questions

What is the Fonds de solidarité FTQ's mission?

The Fonds de solidarité FTQ has been driving our economy since 1983. With net assets of $12.2 billion, this development capital investment fund calls on the savings of Quebecers.

Its main mission is to contribute to Québec's economic growth by creating, maintaining or protecting jobs through investments in small and medium-sized businesses in all spheres of activity.

Aside from investing capital, the Fonds is committed to supporting the growth of its partner companies by offering value-added services such as economic training.

Finally, the Fonds seeks to encourage Quebecers to save for retirement and to offer its hundreds of thousands of shareholder-savers a reasonable return over and above the outstanding tax benefits they receive by purchasing Fonds shares.

What are the advantages of an RRSP with the Fonds de solidarité FTQ?

By choosing an RRSP with the Fonds, you get two tax benefits.

ADVANTAGE #1: THE TAX CREDITS

The RRSP with the Fonds entitles you to two tax credits that reduce the income tax you have to pay by 30%. The maximum amount eligible for these tax credits is $5,000 per year, which represents tax savings of $1,500 ($750 from the Québec government and $750 from the federal government).

ADVANTAGE #2: THE TAX DEDUCTION 

You also get the usual tax deduction granted by the two levels of government to RRSP holders. This tax savings can range from 28.5% to 53.35%, depending on your marginal tax rate.

What is the Fonds de solidarité FTQ's annual return?

The return of the Fonds de solidarité FTQ fluctuates based on its share value, which is updated twice a year, in January and July, on the basis of the financial statements as at November 30 and May 31.

The shareholder's annual return as at November 30, 2016 is 7.5% for 1 year, 7.3% for 3 years, 6.8% for 5 years and 4.0% for 10 years.

See the annual return and the share value

View the financial results for the last five years

Read our most recent annual report or any other related document

Why did my financial advisor not speak to me about the RRSP+ or the Fonds de solidarité FTQ?

Since the Fonds de solidarité FTQ is not affiliated with any financial institution, it does not generate any commissions for advisors, which may be why your advisor did not recommend any of the Fonds' products.

However, you can still contribute online on your own, whenever you like, and take advantage of tax savings of 30%, an advantage exclusive to Fonds shareholders.

How can I use my RRSP with the Fonds?

You may use your RRSP before age 65 under certain conditions.* Generally, when you choose to invest in an RRSP, your goal is to save for your retirement! It is a long-term investment that provides you with financial security.

However, in addition to retirement, there are several criteria under which you may withdraw amounts from your RRSP:

*Consult our Objectives section to see all the details.

Can I use my RRSP with the Fonds to participate in the Home Buyers' Plan (HBP)?

Yes, provided you have already used up all your other RRSPs and you agree to make the repayments to your RRSP with the Fonds according to the established conditions.

Can I repay my HBP to the Fonds even if my HBP is with another financial institution?

Yes, and it pays to do so, because you will get 30% in tax credits on a share purchase of up to $5,000 per year.

What are the advantages of an RRSP with the Fonds de solidarité FTQ?

By choosing an RRSP with the Fonds, you get two tax benefits.

ADVANTAGE #1: THE TAX CREDITS

The RRSP with the Fonds entitles you to two tax credits that reduce the income tax you have to pay by 30%. The maximum amount eligible for these tax credits is $5,000 per year, which represents tax savings of $1,500 ($750 from the Québec government and $750 from the federal government).

ADVANTAGE #2: THE TAX DEDUCTION

You also get the usual tax deduction granted by the two levels of government to RRSP holders. This tax savings can range from 28.5% to 53.35%, depending on your marginal tax rate.

What is the Fonds de solidarité FTQ's mission?

The Fonds de solidarité FTQ has been driving our economy since 1983. With net assets of $12.2 billion, this development capital investment fund calls on the savings of Quebecers. 

Its main mission is to contribute to Québec's economic growth by creating, maintaining or protecting jobs through investments in small and medium-sized businesses in all spheres of activity.

Aside from investing capital, the Fonds is committed to supporting the growth of its partner companies by offering value-added services such as economic training.

Finally, the Fonds seeks to encourage Quebecers to save for retirement and to offer its hundreds of thousands of shareholder-savers a reasonable return over and above the outstanding tax benefits they receive by purchasing Fonds shares.

Are my shares “frozen” until age 65?

No. Amended over the years, the Fonds' redemption and purchase-by-agreement policy is now better suited to its shareholders' needs. As of age 45, the Fonds will automatically redeem your shares at retirement, provided you meet the requirements in the relevant criterion and submit the required documents.

See all the ways to use your Fonds RRSP before retirement.

How can I use my RRSP with the Fonds?

You may use your RRSP before age 65 under certain conditions.* Generally, when you choose to invest in an RRSP, your goal is to save for your retirement! It is a long-term investment that provides you with financial security.

However, in addition to retirement, there are several criteria under which you may withdraw amounts from your RRSP:

*Consult our Objectives section to see all the details.

Can I use my RRSP with the Fonds to participate in the Home Buyers' Plan (HBP)?

Yes, provided you have already used up all your other RRSPs and you agree to make the repayments to your RRSP with the Fonds according to the established conditions.

What is the Fonds de solidarité FTQ's annual return?

The return of the Fonds de solidarité FTQ fluctuates based on its share value, which is updated twice a year, in January and July, on the basis of the financial statements as at November 30 and May 31.

The shareholder's annual return as at November 30, 2016 is 7.5% for 1 year, 7.3% for 3 years, 6.8% for 5 years and 4.0% for 10 years.

See the annual return and the share value

View the financial results for the last five years

Read our most recent annual report or any other related document

Can I invest more than $5,000 a year in the Fonds?

Yes. You can contribute more than $5,000 to an RRSP with the Fonds and obtain the RRSP deduction on the amount if your contribution limit allows. However, the maximum annual investment eligible for the 30% in tax credits is capped at $5,000.

What are the various ways to contribute to my RRSP with the Fonds?

We offer various ways to contribute to your RRSP depending on your lifestyle and habits. Make your choice!

1) Periodic payments:

-  Payroll deduction

Your RRSP contributions are deducted from your pay by your employer. Payroll deduction can also allow you to get your RRSP deduction and tax savings on each pay. The impact on your net pay will therefore be minimal.

- Pre-authorized withdrawals

Your RRSP contributions are directly withdrawn from your bank account at your preferred frequency.

2) Lump-sum payment

There are also different ways to make a lump-sum payment:

  • very easily, by using our secure online services;
  • by Interac debit card at one of our service points (check beforehand the daily purchase limit assigned to your debit card with your financial institution).

How can I use my RRSP with the Fonds?

You may use your RRSP before age 65 under certain conditions.* Generally, when you choose to invest in an RRSP, your goal is to save for your retirement! It is a long-term investment that provides you with financial security.

However, in addition to retirement, there are several criteria under which you may withdraw amounts from your RRSP:

*Consult our Objectives section to see all the details.

Can I use my RRSP with the Fonds to participate in the Home Buyers' Plan (HBP)?

Yes, provided you have already used up all your other RRSPs and you agree to make the repayments to your RRSP with the Fonds according to the established conditions.

Can I repay my HBP to the Fonds even if my HBP is with another financial institution?

Yes, and it pays to do so, because you will get 30% in tax credits on a share purchase of up to $5,000 per year.

What is payroll deduction?

Payroll deduction is a systematic savings method that gives you the opportunity to contribute to your RRSP with the Fonds directly from your pay while benefiting from generous additional tax credits.

Payroll deduction can also allow you to get your RRSP deduction and tax savings on each pay. The impact on your net pay will therefore be minimal!

What are the other ways to contribute to my RRSP with the Fonds?

1) Periodic payments:

- Pre-authorized withdrawals

Your RRSP contributions are directly withdrawn from your bank account at your preferred frequency.

2) Lump-sum payment

There are also different ways to make a lump-sum payment:

  • very easily, by using our secure online services;
  • by Interac debit card at one of our service points (check beforehand the daily purchase limit assigned to your debit card with your financial institution). 

What are the advantages of an RRSP with the Fonds de solidarité FTQ?

By choosing an RRSP with the Fonds, you get two tax benefits.

ADVANTAGE #1: THE TAX CREDITS 

The RRSP with the Fonds entitles you to two tax credits that reduce the income tax you have to pay by 30%. The maximum amount eligible for these tax credits is $5,000 per year, which represents tax savings of $1,500 ($750 from the Québec government and $750 from the federal government).

ADVANTAGE #2: THE TAX DEDUCTION

You also get the usual tax deduction granted by the two levels of government to RRSP holders. This tax savings can range from 28.5% to 53.35%, depending on your marginal tax rate.

What is the Fonds de solidarité FTQ's annual return?

The return of the Fonds de solidarité FTQ fluctuates based on its share value, which is updated twice a year, in January and July, on the basis of the financial statements as at November 30 and May 31.

The shareholder's annual return as at November 30, 2016 is 7.5% for 1 year, 7.3% for 3 years, 6.8% for 5 years and 4.0% for 10 years.

See the annual return and the share value

View the financial results for the last five years

Read our most recent annual report or any other related document

Can I transfer an RRSP from my financial institution to the Fonds de solidarité FTQ without paying taxes?

No. Only a physical person can buy shares, and no direct transfer from another plan can be used to purchase shares.

For example, you cannot use the amounts available in an RRSP you hold in another financial institution to purchase shares.

What is the Fonds de solidarité FTQ's annual return?

The return of the Fonds de solidarité FTQ fluctuates based on its share value, which is updated twice a year, in January and July, on the basis of the financial statements as at November 30 and May 31.

The shareholder's annual return as at November 30, 2016 is 7.5% for 1 year, 7.3% for 3 years, 6.8% for 5 years and 4.0% for 10 years.

See the annual return and the share value

View the financial results for the last five years

Read our most recent annual report or any other related document

Why did my financial advisor not speak to me about the RRSP+ or the Fonds de solidarité FTQ?

Since the Fonds de solidarité FTQ is not affiliated with any financial institution, it does not generate any commissions for advisors, which may be why your advisor did not recommend any of the Fonds' products.

However, you can still contribute online on your own, whenever you like, and take advantage of tax savings of 30%, an advantage exclusive to Fonds shareholders.

Can I invest more than $5,000 a year in the Fonds?

Yes. You can contribute more than $5,000 to an RRSP with the Fonds and obtain the RRSP deduction on the amount if your contribution limit allows. However, the maximum annual investment eligible for the 30% in tax credits is capped at $5,000. 

Is there an age limit for contributing to an RRSP with the Fonds?

Any taxpayer aged 65 or older can contribute to an RRSP with the Fonds, but such contributors cannot obtain the labour-sponsored fund tax credits since they are no longer eligible for them, as stated in the income tax guide. However, such taxpayers could benefit from the tax credits one last time by subscribing in the first 60 days of the year in which they will turn 65 and declaring this subscription for the tax year prior to the year they turn 65.

A taxpayer may contribute to an RRSP until the end of the year during which he or she turns 71.

A taxpayer may contribute to his or her spouse's RRSP until the end of the year during which his or her spouse turns 71.