Savings products and vehicles
Choose a solution that meets your needs and financial goals.
Find the solution that suits your needs best
Here are all the savings products and vehicles you can purchase to save locally and support the Québec economy.
Take advantage of an additional 30% in tax savings¹ with our RRSP+ and non-RRSP+ shares.
Choose among three mutual funds when you invest in a TFSA, RRSP, RRIF, or investment account.
|Main savings objective||Type of savings vehicle||Redemption criteria||Online registration||Contribution method||Local savings|
|Fonds' shares providing an additional 30% in tax savings¹|
|RRSP+||Retirement||Registered||Subject to the Fonds' redemption criteria||Yes||Automatic savings||Yes|
|Non-RRSP+||Maximize your savings beyond the RRSP and TFSA limits||Non-registered||Subject to the Fonds' redemption criteria||No||Automatic savings||Yes|
|FlexiFonds mutual funds|
|FlexiFonds TFSA||Retirement or saving for a project||Registered||No conditions||Yes||One-time or automatic bank withdrawals||Yes|
|FlexiFonds RRSP||Retirement||Registered||No conditions||Yes||One-time or automatic bank withdrawals||Yes|
|FlexiFonds RRIF||Retirement income||Registered||No conditions||No||Transfers and withdrawals only||Yes|
|FlexiFonds investment account||Maximize your savings beyond the RRSP and TFSA limits||Non-registered||No conditions||No||One-time or automatic bank withdrawals||Yes|
Subject to the Fonds' redemption criteria
The Fonds can redeem your shares under the circumstances outlined in Schedules 1 and 2 of the Prospectus.
See all redemption criteria
Class "A" shares in the Fonds de solidarité FTQ allow you to benefit from 30%¹ in tax credits for labour-sponsored funds.
Registered and non-registered
Registered savings vehicles let you enjoy certain tax advantages, but limit the total amount you can contribute and how old you can be to contribute to or hold such a vehicle. On the other hand, non-registered savings vehicles have no age restrictions or contribution limits, but don’t provide any tax benefits.
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You can enroll for many of our saving solutions online.
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.
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.2
As of May 31, 2021.
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. FlexiFonds de solidarité FTQ inc. does not distribute any other mutual funds. Please consult your advisor and read the prospectus and fund facts before making an investment. The FlexiFonds 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.