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When you choose the RRSP+, you pay less tax and support the local economy.

Benefit from an additional 30% tax credit**

Because we have a mission to help build collective wealth while supporting the Quebec economy and creating future employment here, the governments have agreed to offer tax credits to encourage Quebec workers to save even more with the Fonds. An RRSP+ with the Fonds means 30% more tax savings than a regular RRSP!

Make your dreams a reality

Buying your first home or going back to school are just two of the many ways you can leverage your RRSP+ savings.

Support hundreds of local businesses

The Fonds invests in over 2800 companies that create jobs all across Quebec. So you most certainly know someone who works at one of these companies!

Get more RRSP+ info

Notes

*Example based on the 2019 taxation year for an individual with an annual taxable income of $40,000, at a marginal rate of 27.53%, who gets paid 52 times a year and receives tax savings immediately on each paycheque. The calculated amounts are estimates that can vary according to your tax situation.

Why opt for automatic savings?

Automatic savings are by far the easiest and most effective way to contribute to your RRSP+.

Payroll deductions or automatic withdrawals: Discover the option that works best for you.

1

Payroll deductions


Thousands of companies participate in the Fonds’ payroll deduction program. Ask your employer for details. For each pay, a fixed amount is deducted and deposited in your RRSP+.

  • You decide the amount to be deducted
  • You can change or stop the deduction at any time
  • You will benefit from tax savings with each pay

2

Automatic bank withdrawals


Your contributions are withdrawn directly from your bank account according to the frequency and amount you choose.

  • You decide the amount to be withdrawn
  • You determine the frequency of withdrawals (weekly, bimonthly or monthly) 
  • You can change, cancel or interrupt the withdrawals at any time 
  • The minimum amount per withdrawal is only $10

Calculate your savings with payroll deductions

Determine the amount you want to set aside on each pay, and get your tax return immediately!

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.

Notes

Please note that the taxable income brackets and tax rates we use for the calculator are those for the 2019 tax year. The amounts calculated are estimates and may vary depending on your tax status.

The Fonds de solidarité FTQ’s shareholders will receive 15% in tax credits from the Québec government and 15% from the federal government. They are capped at $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ.

Save more for less: Choose payroll deduction for your RRSP+.

See how your RRSP+ gets you more for less.

Name: Stephanie

Age: 31

Profession: Coordinator

Annual income: $40,000

Financial goal: Just starting to save for retirement

Savings habit: $50 every two weeks


Stephanie did her calculations and she determined she could save $50 every two weeks without tightening her belt too much. Because her employer offered payroll deductions and she could immediately benefit from her deductions on each pay, she decided to contribute to an RRSP+ in this way.

With the Fonds calculator, she learned that her pay would be only $50 less if she contributed $118 per pay to her RRSP+ because her deductions were credited to her immediately with each pay.

So now Stephanie contributes $3068 annually to her RRSP+ without breaking the bank.

If she had chosen instead to make automatic contributions of $50 every two weeks to her RRSP, she would only have saved $1300. So she was able to accumulate an additional $1768 in her RRSP by using payroll deductions!

Notes

*Example based on the 2019 taxation year for an individual with an annual taxable income of $40,000, at a marginal rate of 27.53%, who gets paid 52 times a year and receives tax savings immediately on each paycheque. The calculated amounts are estimates that can vary according to your tax situation.

Did you know that an RRSP+ can help you realize your future plans?

Whether you’ve just started saving or you’re nearing retirement, your savings with the Fonds are there for whatever you want out of life.

Buying a first home

With the RRSP+ and the RAP, it’s easier to finance the purchase of your first home and become an owner.

Going back to school

Whether you are updating your skills or making a fresh start, the RRSP+ lets you go back to school more affordably.

Planning your retirement

Retiring with complete peace of mind takes some work. Save with your RRSP+ and make sure your retirement fits you.

An accessible RRSP, when challenges arise

The RRSP+ with the Fonds is also there for you whenever life throws you a curve.

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 58% 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 automatic bank withdrawals?
Automatic bank withdrawals make it possible to debit the amount you want to contribute directly from your bank account at a frequency of your choice.
More Details : What are automatic bank withdrawals?
RRSP+
What’s the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
Only the RRSP+ with the Fonds offers an additional 30% in tax savings. However, its biggest difference lies in its social impact.
More Details : What’s the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
RRSP+
RRSP+: How are the tax savings calculated?
Your savings are calculated by adding the additional 30% in tax savings offered by the RRSP+ with the Fonds to your marginal tax rate.
More Details : RRSP+: How are the tax savings calculated?
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?

David, a Saving Services agent for the last 10 years, will be delighted to assist you.

Call us Monday to Friday from 8:30 a.m. to 6 p.m. for service tailored to your needs.

1 800 567-3663
Legal Notes
Please note that the taxable income brackets and tax rates we use for the calculator are those for the 2018 tax year. The amounts calculated are estimates and may vary depending on your tax status.

The Fonds de solidarité FTQ’s shareholders will receive 15% in tax credits from the Québec government and 15% from the federal government. They are capped at $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ.

Please read the prospectus before buying Fonds de solidarité FTQ shares. Copies of the prospectus may be obtained on the fondsftq.com website, from a local representative or at the offices of the Fonds de solidarité FTQ. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
Prospectus En ( 878 Kb )