Everyone deserves a decent retirement
"
More and more people are having difficulties when they retire because they didn't have the tools and information to plan for this important time. My aim is for everyone to be able to retire with dignity without having to change their day-to-day lives."
— Hélène, one of our 1,810 local representatives
Why it's important to us
Saving for retirement is central to our mission. It’s how we invest in ourselves.
The majority of Quebecers don’t have the tools to plan for retirement. Thousands of workers struggle just to save enough.
60%
In Québec, nearly 6 out of 10 workers do not have a pension plan with their employer. Their retirement plan is therefore primarily their responsibility.[1]
4/10
Nearly 4 out of 10 seniors in Québec must rely on the Guaranteed Income Supplement (GIS) to meet their needs, a benefit intended for low-income seniors.[2]
Our approach
It's simple. We want as many people as possible to be able to save for retirement — so you can choose your future and live a retirement that suits you.
From the very beginning, we've promoted retirement savings to Quebecers. We encourage financial literacy with a range of tools to help you understand how to plan for your retirement and we work in the field to provide you with better support. We've set ourselves the goal of helping 100,000 workers without a pension plan or whose salary is below the Québec average to start saving by May 31, 2027. In line with this objective, more than 83,270 people have already taken steps to save.[3].
More and more people are taking action
Making retirement savings simpler and more accessible
Saving for retirement shouldn't be complicated. Thanks to our support, practical tools, and our advisory team, which is always there for you, more than 808,000 people across Québec are now investing in themselves.
Better-equipped employers
We help companies offer the RRSP+ directly on their employees' payroll.
+ 17,585
employers[4] now offer it to their teams.
The return of the single-deduction contribution method during the random selection
The flat-rate RRSP+ contribution method allows those who don't have payroll deductions to make a single contribution and benefit from the 30% tax credit.
Simple and free tools
We've enhanced our retirement calculator and planning tools so you can estimate your income and build your plan, hassle-free.
A truly available team
You can open an account online and make your transactions directly. But if you'd rather speak to a real person than a robot, our advisors are here to guide you, answer your questions, and help you choose the best options.
Mieux comprendre pour mieux épargner
Plus on comprend, mieux on s'organise. C'est pour ça qu'on partage nos connaissances financières partout au Québec — pour vous aider à adopter de bonnes habitudes d'épargne et mieux planifier votre retraite.
On offre des formations adaptées
On parle de REER+, de cotisation, de retraite et on adapte nos formations selon vos besoins. Comme les femmes sont 21 % moins nombreuses que les hommes à cotiser à un REER[2], on a entamé la création d'une formation leur étant destinée, ainsi qu'une autre pour les personnes immigrantes.
96
formations données à 1 155 travailleurs et travailleuses en 2025[3]
Nos webinaires sont ouverts à tous et toutes
On y répond aux vraies questions : combien faut-il pour la retraite, quand demander ses rentes, et même celles que vous n'osez pas poser.
3 000
personnes ont participé à notre webinaire cette année.
Reaching out to you is our way of doing things
The best way to reach you? It's to go directly to your workplace. Thanks to our valuable network of 1,810 local representatives[5] and workplace coordinators, we open the discussion and talk about retirement savings without taboos with thousands of workers across Québec.
We take the time to understand the realities of each region, because your trust matters to us. Our teams are here to build this connection, one conversation at a time.
Our local representatives: Making savings accessible to more people
Johanne Di Cesare, Teacher
"No one should miss out on payroll deductions, no matter the amount per paycheque. It's a super simple and easy way to plan for retirement and live within your means." Johanne Di Cesare has been a local representative for 15 years. Every year, she travels to the 64 schools and centres in the Centre de services scolaires des Grandes-Seigneuries to meet with its 1,800 employees and support staff to raise awareness about the importance of saving.
"Everyone calls me "the Fonds lady." They’re always waiting for me in their workplace with lots of questions." As a former member of the support staff herself, Di Cesare had a headstart on earning people’s trust and building relationships. That and her deep desire to help them take control of their future.
"Retirement doesn't just happen. And no one else can plan it for you. Do you want to watch the train roll by, or do you want to get on board? I'd say it's better to get on board."
At the Centre de services scolaires and other workplaces she visits, Johanne wants to give people the tools they need to prepare for retirement. Because, like the Fonds, she firmly believes that everyone deserves a decent retirement.
Sylvain Pinsonneault, Construction-site electrician
"I may have been taught to put money aside when I was a kid, but I realize that I’m a rare breed."
Sylvain Pinsonneault has been a local representative for seven years, moving from one construction site to the next, chatting about savings with his "buddies," as he likes to call them. After working on construction sites for 25 years, he knows just how little financial information his former colleagues were given before him. He knows how hard it can be for workers who are constantly changing employers to continually save through payroll deductions, or to keep taking time to update their information. That's why his contribution to their savings journey is so important.
"It’s not complicated. When young workers first arrive on a construction site, I’m the first person they meet who talks to them about money." And meeting someone who speaks their workplace language, who has worked in their boots, who shows up at their job site wearing a hard hat and construction gear and who understands their day-to-day world changes everything. That's the kind of feedback Sylvain receives.
"If I can help all these people become independent by giving them the tools to make their own choices, then my work is done."
Hélène Tougas, President of Local SEPB-574
"People are surprised to hear that they don’t have to be unionized to save with the Fonds de solidarité FTQ."
Hélène Tougas has been a union activist for nearly 15 years – and has worked for Yellow Pages for the same amount of time. Today, she is a Canadian Office and Professional Employees Union local president, representing 80 bargaining units. It was her union involvement that led her to become a local representative in 2020. For the past four years, she has travelled to their offices, factories, bookstores, pubs and other workplaces to talk to members about savings.
"We see more and more people having difficulties in retirement because they haven’t been taught how to plan for this important time. My goal is for everyone to be able to retire with dignity, without having to change their everyday lives."
The trust she has earned among the members of the 80 bargaining units she serves helps her to convey the message. Besides speaking to unionized workers, she also talks to human resources staff and management because they can also save at the Fonds.
"Sharing information, educating people and being there to answer their questions is so rewarding. That's why I do it."
