Non-registered savings
Invest in non-registered Fonds shares or in a FlexiFonds investment account.
Discover howWhy invest in non-registered savings?
You have contributed the maximum amount you can to an RRSP and/or TFSA.
Tip
Certain savings strategies, including a non-registered account, can promote a balanced allocation of assets among various tax vehicles.
Our non-registered products
Notes
Invest in non-registered Fonds shares or in a FlexiFonds investment account?
These two savings solutions differ in the following key ways:
| Main savings objective | 30% tax credits specific to the Fonds | Redemption criteria | Online enrollment | Product | |
|---|---|---|---|---|---|
| Non-registered shares with the Fonds | Contributing over and above the RRSP and TFSA limits | Yes* | Subject to the Fonds' redemption criteria | No | Fonds share |
| FlexiFonds investment account | Contributing over and above the RRSP and TFSA limits | No | No restrictions | No | Mutual fund |
Notes
Achieve your life plans more easily!
See how much flexibility you enjoy when you invest in a FlexiFonds investment account.
Nom : Martin
Age: 41
Job: Logistics manager
Annual taxable income: $76,000
Goal: Is debating between carrying out projects and preparing for retirement
Financial goal: Wants to invest $10,000 even though his RRSP and TFSA contribution room is used up.
How to find out your maximum RRSP contribution for the current year
The maximum RRSP contribution is 18% of your previous year's earned income, up to a maximum of $27,830 in 2021, plus any amounts you did not apply in previous years.
Here are three ways to find out your contribution room.
Check your most recent Notice of Assessment.
The Canada Revenue Agency lists this information under "RRSP deduction limit/CPP deduction limit statement" on your income tax return.
Visit the CRA website.
Go to the Electronic Services for Individuals tab under My Account.
Call TIPS (Telephone Electronic Intelligence Service).
Call 1-800-267-6999 to reach TIPS.
What is the maximum TFSA contribution amount for the current year?
The maximum amount you can invest in a TFSA varies from year to year. For 2020, the limit is set at $6,000.
If you do not invest in a TFSA in one year, you can carry forward the contribution amount to the next year. Furthermore, withdrawals from the previous year can be recovered on January 1 of the following year.
If you were 18 or older in 2009, you can contribute a maximum of $75,500 in 2021. Note that this information does not take into account withdrawals made during the current year.
Log in to My Account on the CRA website to view your contribution room.
Most frequently asked questions
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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_EnAbout 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.