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Because the Fonds is subject to a share redemption policy, it can redeem your shares only if your situation meets one of the redemption criteria set out in Schedules 1 and 2 of the Prospectus.

If you are 55 or older, you can request the redemption of your shares from your online account or by phone. If you are under 55, please contact Saving Services.

This tax document is issued by the Fonds de solidarité FTQ and confirms that you have invested in a workers' fund or contributed to your RRSP+ if applicable.

Basically, four documents are required to process your request to the Fonds. Be sure to provide them when you submit your request.

Every year, you will pay back a portion of the amount you withdrew from your RRSP under the HBP. The full amount must be repaid within 15 years.

The Fonds share value is updated twice a year, around June 23 and December 23.

You can benefit from the savings in your RRSP+ well before your 65th birthday, but only under certain conditions.

Compared to a traditional RRSP, the RRSP+ at the Fonds offers your employees not one, but two tax benefits: The deduction applicable to any RRSP and the Fonds' additional 30 percent tax credit.

To contribute to the RRSP+, you must be at least 18 years of age and reside in the province of Québec. As soon as a person receives employment income, they can contribute to an RRSP and start building capital for retirement.

No. However, the Fonds may limit the subscription options available in order to meet its commitments and maintain a balanced business model. This potential limit will not affect savers who contribute via payroll deduction.

No. The employer's contribution is optional. It's up to you to decide whether you wish to participate in your employees' retirement savings.

You must employ at least one employee and make monthly remittances and payments for your employees.

Yes: 26-52 pay periods, 48-52 pay periods, 24 pay periods, and 12 pay periods.

We finance businesses of all sizes, at various stages of growth, across Québec. Our analysis considers factors such as market outlook, the company's presence and positive economic impact in Quebec, team expertise, and ESG criteria.

We offer custom financing packages in the form of share capital and unsecured financing that are tailored to every business.

The process generally involves discussions with an advisor, submitting documents for review, and signing an agreement. We support businesses at every stage to help them prepare their application.

The timeline varies depending on your needs and the nature of your project. For smaller projects, the process from analysis to disbursement generally takes one to three months.

The right contact depends on the amount of financing or the type of project.

• Under $100,000: contact your Fonds local de solidarité through our form
• $100,000 to $5M: contact your Fonds régional de solidarité through our form
• Over $5M: contact an investment expert in your sector
• Real estate project: contact the Fonds immobilier de solidarité