Savings vehicles and products

Make the most of our clear, simple and profitable savings solutions.

Start saving

Savings solutions tailored to your needs

Determine your savings goal

Your goal may be to buy your first home, go back to school, plan your retirement or be something altogether unique. Your financial needs change throughout your life, and the Fonds will be there for you every step of the way.

Choose your savings solution

By combining the vehicles and savings products that the Fonds offers, you can benefit from a variety of features tailored to your financial situation and savings goals.

Open an online account

You can become a Fonds saver in minutes and contribute directly online toward almost all of our savings solutions.

Our savings vehicles and products

RRSP+
Vehicle: RRSP Product: Fonds share
The Fonds' most popular savings solution, which has been supporting the local economy since 1983
Get 30% tax credits* for an investment in a labour-sponsored fund, in addition to the RRSP tax deduction
Ideal for retirement savings and the purchase of a first home (HBP)
Learn more about the RRSP+
The RRSP with FlexiFonds
Vehicle: RRSP Product: Mutual funds
Composed of 70% of assets related to Québec's economy
An RRSP-specific tax deduction that promotes saving for retirement. Does not entitle the bearer to the 30% tax credits specific to a labour-sponsored fund
A choice of three products tailored to various risk profiles and your savings plans
Learn more about the RRSP with FlexiFonds
The TFSA with FlexiFonds
Vehicle: TFSA Product: Mutual funds
Composed of 70% of assets related to Québec's economy
Earnings that grow tax-sheltered so you can save for a project or supplement your retirement income
A choice of three products tailored to various risk profiles and your savings plans
Learn more about the TFSA with FlexiFonds
The RRIF with FlexiFonds
Vehicle: RRIF Product: Mutual funds
Composed of 70% of assets related to Québec's economy
Allows you to transfer money from your RRSP on a tax-sheltered basis so you can receive income
A choice of three products tailored to various risk profiles and your savings plans
Learn more about the RRIF with FlexiFonds
Non-registered savings
Non-registered Fonds shares FlexiFonds investment account
Allows you to continue to save even if you've already capped your RRSP or TFSA contribution limit
Available for Fonds de solidarité FTQ shares (+ 30% tax credit* specific to a labour-sponsored fund) as well as for FlexiFonds mutual funds
Learn more about non-registered savings

Feature overview

Main savings objective 30% tax credits specific to the Fonds Redemption criteria Online enrollment Product
Registered savings
RRSP+ Retirement Yes* Subject to the Fonds' redemption criteria Yes Fonds shares
RRSP with FlexiFonds Retirement No No restrictions Yes Mutual funds
TFSA with FlexiFonds Retirement and saving for a projet No No restrictions Yes Mutual funds
RRIF with FlexiFonds Retirement income No No restrictions No Mutual funds
Non-registered savings
Non-registered shares with the Fonds Contributing over and above the RRSP and TFSA limits Yes* Subject to the Fonds' redemption criteria No Fonds shares
FlexiFonds investment account Contributing over and above the RRSP and TFSA limits No No restrictions No Mutual funds

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.

Are you familiar with the FlexiFonds offering? 

tuile-promo-FlexiFonds

FlexiFonds is a new advice and product offering designed especially for you. It offers Fonds savers a variety of savings vehicles and products tailored to various investor profiles and savings goals.

Learn more about the FlexiFonds offering

These articles may be of interest to you

The Fonds is there for you anytime you need help and will be there for you in the future. Advice, information, news, etc. Discover finance that's tailored to your needs!

Choosing retirement savings solutions

Take the time to choose your savings vehicles so you select the right ones to meet your needs. It's an exercise that will earn you money!

MY RETIREMENT10 MIN

RRSPs: What you need to know

Do you know what an RRSP is and what it can do for you?

MY FINANCES10 MIN

How to choose between an RRSP and a TFSA

Where should you invest your hard-earned cash? Are you hesitating between a registered retirement savings plan (RRSP) and tax-free savings account (TFSA)? Here, we untangle these two savings plans to help you make the right choice.

MY FINANCES5 MIN

You can enroll for many of our saving solutions online.

START SAVING

  • 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 shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
    Prospectus_En

    About FlexiFonds de solidarité FTQ
    FlexiFonds de solidarité FTQ Inc. is a wholly-owned subsidiary of the Fonds de solidarité FTQ. FlexiFonds de solidarité FTQ Inc. acts as the principal distributor of the funds' units and is a mutual fund dealer registered with the Autorité des marchés financiers.

    FlexiFonds de solidarité FTQ Inc.
    The FlexiFonds are distributed solely in Québec by FlexiFonds de solidarité FTQ Inc. a mutual fund dealer wholly owned by the Fonds de solidarité FTQ. Please consult your advisor and read the prospectus and Fonds overview before making an investment. The Fonds' securities are not insured by the Canada Deposit Insurance Corporation or any other government deposit insurer or by the Autorité des marchés financiers. The mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.