The Fonds de solidarité FTQ becomes a partner for your retirement!

It's easy to invest in the Fonds!

OPEN AN ACCOUNT

Did you know?

Under the new Decree respecting security guards by virtue of the Act respecting collective agreement decrees, each eligible employee will receive a $0.10 per hour employer contribution to their Fonds RRSP. For you to benefit from this investment, you will need to open an account. To do this, make sure you have your social insurance number and your email address.

What is the RRSP+?

The RRSP+ is a proven retirement savings tool that makes it possible for you to save tax-free. You could also benefit from an additional 30% tax credit*!

Discover the RRSP+

Calculate my payroll deduction

In addition to benefitting from your employer's contribution, we also invite you to start contributing through payroll deduction to maximize your savings.

Think about the amount you want to set aside on each pay and receive your tax refund immediately on your contribution as well as on the employer's contribution.

Please note! Taxable income will not be a criterion for access to tax credits.

The maximum taxable income ($112,655 in 2022) required to qualify for the 30%[1] ax credits specific to labour-sponsored funds has been postponed for 3 years.

Learn more about the 30% tax credits eligibility

Calculate your payroll deduction

Amount to be invested

$
$

Result

Real cost to you: $0.00

Amount deducted per pay $0.00
RRSP deduction $0.00
+ 30% tax credit $0.00
Real cost $0.00

Indicate $0.00 per pay in the "Amount to be invested" field when you fill out your contribution form.

Set up payroll deductions

Notes

If the payroll system cannot apply the tax credit directly to your pay, you can apply it when you prepare your tax return.

Investing in the Fonds means choosing positive savings

Support the local economy

Les Fermes Lufa, Miralis, Rudsak...You probably know someone who works for one of the hundreds of companies in which the Fonds invests.

Benefit from additional tax savings

By contributing to the RRSP+ at the Fonds, you benefit from 30% more tax savings¹ compared to a regular RRSP!

Save for retirement and much more

Planning on buying your first home or going back to school? You can achieve your life projects by investing in the RRSP+.

Enrolling only takes a few minutes

OPEN AN ACCOUNT

Most frequently asked questions

RRSP+
What are the tax benefits of an RRSP+ with the Fonds de solidarité FTQ?
An RRSP+ with the Fonds provides two tax benefits that, when combined, can save you between 57% and 83% in tax on the amount contributed!
More Details : What are the tax benefits of an RRSP+ with the Fonds de solidarité FTQ?
RRSP+
What are payroll deductions?
Payroll deductions is an automatic savings method offered by your employer that allows you to contribute to your RRSP+ directly from your paycheck and receive an immediate tax credit.
More Details : What are payroll deductions?
RRSP+
What is the difference between payroll deductions and automatic withdrawals?
Payroll deductions let you enjoy tax savings with each paycheque. Automatic withdrawals, on the other hand, are deducted from your bank account and you receive your tax savings at the end of the fiscal year.
More Details : What is the difference between payroll deductions and automatic withdrawals?
Discover the Fonds
What can I expect as a return on investment?
The Fonds' share performance depends on the change in the value of its share; therefore, it isn't predetermined. The share is currently valued at $55.84.
More Details : What can I expect as a return on investment?
RRSP+
Why do I get tax credits when I contribute to the Fonds de solidarité FTQ?
The governments have agreed to offer these tax credits to encourage Quebec workers to invest with the Fonds de solidarité FTQ so that it can pursue its essential economic mission.
More Details : Why do I get tax credits when I contribute to the Fonds de solidarité FTQ?
RRSP+
Does the Fonds de solidarité FTQ charge administrative fees?
No, there are no account opening fees for new savers.
More Details : Does the Fonds de solidarité FTQ charge administrative fees?

Questions? Call us!

514-850-4864
  • 1

    The acquisition of shares of the Fonds de solidarité FTQ may give rise to labour-sponsored fund tax credits. The tax credits amount to 30%, namely 15% at the Quebec level and 15% at the federal level, and are limited to $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ. On March 1, 2024, The Government of Québec announced in Information Bulletin 2024-3 that tax legislation would be amended to postpone by three years the rule providing that the tax credit would be available only to individuals whose taxable income for a given taxation year was below the highest tax rate. Please note that this postponement may be subject to legislative changes.

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