5 reasons to choose the RRSP+* at the Fonds.


Nothing less than an additional 30% in savings**

30% more tax savings than with a regular RRSP! That’s the advantage of an RRSP+ with the Fonds.


The RRSP+ is for more than just retirement

Whether it’s to buy your first home or go back to school, the RRSP+ with the Fonds makes it possible for you to save for the many key moments of your life.


Support the local businesses you already know and love

Sail Plein Air, Les Brasseurs du Nord, Rudsak, you probably know someone who works for one of the businesses in which the Fonds invests.


Help develop a responsible economy

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


A fast and easy personalized service

With the RRSP+, you don’t need a financial advisor as an intermediary. You can contribute easily online whenever you want! Prefer to speak with someone? Our agents are waiting for your call.


*Registered Retirement Savings Plan

**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.

According to financial planner Dany Provost, a good RRSP strategy begins with a labour fund investment.

Read the article in Les Affaires

Calculate your tax savings

My annual taxable income is

I would like to contribute:

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Tax savings: $1,437.50

tax return with a regular RRSP

tax return with the Fonds' RRSP+

Thanks to the standard RRSP deductions and the additional 30% tax savings unique to the Fonds, your RRSP+

will only cost you $1,062.50

for an annual savings of $2,500


The RRSP+ adapts to the pace of your savings

Three simple ways to save with the Fonds:

Payroll deductions

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

Automatic bank withdrawals

Contribute directly from your bank account at a frequency and for the amount of your choice.

Lump-sum contribution

Contribute the amount of your choice whenever you like.

Most Frequently Asked Questions

Getting Started
Who is eligible to contribute to an RRSP?
Any person who earns income in Canada and is 71 years of age or younger as of December 31 of the current year.
More Details : Who is eligible to contribute to an 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?
Redemptions and withdrawals
Can I withdraw money from my RRSP+ before age 65?
You can benefit from the savings in your RRSP+ well before your 65th birthday, but only under certain conditions!
More Details : Can I withdraw money from my RRSP+ before age 65?
Why hasn’t my financial advisor told me about the RRSP+?
The Fonds de solidarité FTQ has not retained the services of a securities broker to invest its shares.
More Details : Why hasn’t my financial advisor told me about the RRSP+?
What are payroll deductions?
Payroll deductions are an automatic way to save by contributing to your RRSP directly on your paycheck and benefiting from an immediate tax credit.
More Details : What are payroll deductions?
Getting Started
How do I open an account online?
Signing up for an account is an easy and secured process. All it takes is a few clicks!
More Details : How do I open an account online?

By choosing the RRSP+ with the Fonds, you’re making a positive investment

Make a positive choice that benefits all.

Contribute online
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 investing. Copies of the prospectus may be obtained on its Website, 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. - Exemple
Prospectus En ( 1504 Kb )