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  • Crédits d'impôts additionnels
  • Investissements au Qc.
  • Mythe ou réalité
  • RRSP+

    automatic

    Smaller recurring instalments make saving much, much easier.

Why choose the Fonds RRSP?

Do the math

How much do you need to deposit per


to accumulate yearly with the Fonds RRSP?


Taxable revenue per year

$16 000 to $41 494
Calculate your deduction per pay – you’ll see how small your contributions can be.
CALCULATE >

Amount invested

$__.__ /pay

Actual cost

$__.__ /pay

RRSP deduction
$__.__
Fonds tax credit
$__.__

Total fiscal advantage: $__.__

 

TAX SAVINGS WITH A 1 000

Typical RRSP

Fonds RRSP

Based on a tax rate of 28.5%

30%MORE
TAX SAVINGS

Where do the tax savings come from?

When you invest in a Fonds RRSP, your money goes to support SMEs in Québec. Because the provincial and federal governments recognize that your contributions help grow the Québec economy, they each give you an extra tax deduction*.

The tax savings are in addition to the tax advantages to which you are already entitled with an RRSP.


* The tax credits granted to the Fonds for the 2014 tax year (i.e. until March 2, 2015) are 15% at the federal level and 15% at the provincial level. For the 2015 tax year, the federal and provincial rates will be 10% and 15% respectively.

DRIVING OUR ECONOMY

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businesses supported by the Fonds

The reasons for choosing the Fonds RRSP are numerous.

  1. 1.The Fonds contributes to economic growth in Québec by investing in over 2,450 SMEs right here, some of which are close to where you live.
  2. 2.The Fonds offers economic training to interested businesses.
  3. 3.The Fonds works to create and maintain tens of thousands of jobs.
  4. 4.With net assets of $10.1 billion, the Fonds has become knowledge and resource hub for Québec businesses and a key player in the local economy.

DID YOU KNOW?

THE FONDS’ MISSION IS FOURFOLD.

  • Prepare for retirement by making workers aware of the need to save for retirement.
  • Create, maintain or protect jobs.
  • Develop the Québec economy throught strategic investments that benefit both Québec workers and companies alike.
  • Train workers so they can increase their influence on the economic development of Québec.

THE FONDS OFFERS A GOOD RETURN.

The Fonds’ investments are well diversified, as evidenced by 11 consecutive six-month periods of positive returns. The Fonds’ annual return (excluding the tax credits) was 8.3% as of May 31, 2014. When the additional tax credits are factored in, a Fonds shareholder who invests the same amount every year would earn an annual compound return of 15.5% over 7 years.

THE FONDS CREATES MANY JOBS.

In the last 22 years, more than 500,000 jobs were created or maintained because of the Fonds. The fact is, most people know at least one person whose job was made possible because of the Fonds.

YOU STILL GET 30% IN TAX SAVINGS.

Even though the federal government announced in 2013 that is was phasing out the tax credit granted to labour fund shareholders, you will still get 30% in tax savings for the 2014 tax year (i.e. until March 2, 2015). Don’t pass up this opportunity!

Do the math and you
could win big!

Participate
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