Why hold non-RRSP shares?*

There are two main reasons to do so.

1

You’ve already contributed up to your RRSP contribution limit

When you hold non-RRSP shares with the Fonds, you can continue to save while benefiting from the additional 30% in tax savings specific to the Fonds.**

2

You want to mitigate the tax impact upon redemption

With non-RRSP shares, you only pay 50% tax on capital gains upon redemption.

Notes

* Non-registered investments

** The tax credits granted to the shareholders of the Fonds are 15% at the federal level and 15% at the provincial level. Tax credits are capped at $1,500 per tax year, which corresponds to purchases of Fonds de solidarité FTQ shares having a value of $5,000.

What are the benefits of holding non-RRSP shares with the Fonds?

You benefit from tax savings*

Combined with the Fonds’ annual return, the additional 30% in tax savings is a fantastic benefit!

Support hundreds of local businesses

Sail, Les Brasseurs du Nord, SSQ Assurance-vie, you probably know someone who works for one of the businesses in which the Fonds invests.

Participate in the development of a responsible economy

The Fonds chooses businesses, like Fermes Lufa, that foster sustainable development and have a positive impact on local communities.

You create wealth

You contribute to building a Fonds that benefits all Quebecers.

Notes

*The tax credits granted to the shareholders of the Fonds are 15% at the federal level and 15% at the provincial level. Tax credits are capped at $1,500 per tax year, which corresponds to purchases of Fonds de solidarité FTQ shares having a value of $5,000.

Did you know? When it comes to shares held outside an RRSP with the Fonds, you only need to pay tax on capital gains upon redemption. And if you plan on redeeming once you’re retired or have taken early retirement, you’ll most likely have less tax to pay!

Where can you find out what your RRSP contribution limit is for the current year?

Your contribution limit is set to 18% of your income earned the previous year, up to a maximum of $26,010 in 2017 and $26,230 in 2018.

Here are three way to find out your contribution limit:

Refer to your most recent Notice of Assessment

The Canada Revenue Agency sends you this information after you’ve submitted your tax return. The information can be found under the “RRSP/PRPP deduction limit statement” section.

Visit the Canada Revenue Agency website

In My Account Attention, ce lien ouvrira un nouvel onglet.Attention, ce lien ouvrira un nouvel onglet. under the E-services for individuals tab.

Call TIPS (Tax Information Phone Service)

To reach TIPS, call 1 800 267-6999 .

At the Fonds, you can save at your own pace

Three simple ways to save with the Fonds:

01
Payroll deductions

Save on each paycheque, and benefit immediately for tax savings.

02
Automatic bank withdrawals

Your contributions are drawn directly from your bank account at the frequency and in the amount of your choice.

03
Lump-sum contribution

Contribute the amount you want when you want.

Notes

To open non-RRSP shares, visit one of our service points or contact your local representative (LR).

Most frequently asked questions

Discover the Fonds
What’s the purpose of the Fonds de solidarité FTQ?
The Fonds’ main mission is to contribute to Quebec’s economic growth by creating, maintaining or preserving jobs through investments in businesses in all sectors of the Québec economy.
More Details : What’s the purpose of the Fonds de solidarité FTQ?
My Online Account
What is the Relevé 10?
The Fonds de solidarité FTQ issues this slip to attest that you’ve invested in a labour fund.
More Details : What is the Relevé 10?
My Online Account
How do I access My Online Account?
With your Personal Shareholder Number (PSN) in hand, log into "My Online Account".
More Details : How do I access My Online Account?

Want more information about holding non-RRSP shares?

Contact one of our agents.

1 855 732-8743
Legal Notes

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.