Non-RRSP+ shares

Save on income tax and supplement your RRSP.

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Why choose non-RRSP+ shares?

The Fonds' non-RRSP+ shares are non-registered savings products. They have three main advantages for savers.

An additional 30% in tax savings

The Fonds' non-RRSP+ shares allow you to take advantage of an additional 30% in tax savings reserved for labour-sponsored funds.¹

Maximize your savings beyond your RRSP contribution room

Supplement your retirement savings without being held back by RRSP contribution limits.

Reduce your tax impact at the time of withdrawal

With non-registered investments, you only pay tax on 50% of the capital gain² at the time of redemption.

Share value
$55.84

12-month return
4.7%

Shareholders' annual compound
returns as at November 30, 2023

4.7%
1 year		 4.4%
3 years		 6.1%
5 years		 6.7%
10 years

Learn more about returns

Automatic contributions

Take advantage of payroll deductions

If your employer offers payroll deductions, you can automatically contribute with every paycheque and immediately benefit from your additional tax savings.

Discover the benefits of payroll deductions

Contribution methods: In order to maintain a balanced business model, certain contribution methods will remain suspended beyond June 1, 2022. Therefore, lump sum contributions and automatic bank withdrawals will not be accepted for RRSP+ share purchases. The suspension does not affect payroll deductions, existing preauthorized withdrawal agreements, or repayments that are required under the HBP or LLP.

Saving with the Fonds: A choice that's good for you and benefits us all

The Fonds has a special relationship with Québec savers because it invests first and foremost in the local economy. Here's why saving with the Fonds adds value to your money.

We support hundreds of local businesses

Since its inception, the Fonds has invested more than $12 billion3 in Québec companies. By choosing to invest with the Fonds, you'll support Québec's economic development and help maintain and create hundreds of thousands of jobs.

We're helping to build a greener economy

Like you, the Fonds is thinking about the future. More specifically, we're committed to supporting businesses that prioritize sustainability and have a positive impact on all of our communities.

Discover all the reasons to choose the Fonds

Investing in RRSP+ or non-RRSP+ shares

The Fonds' non-RRSP+ shares allow you to take advantage of tax credits specific to the Fonds and save beyond your RRSP deduction limit. To find out your annual contribution limit, view your file with the Canada Revenue Agency.

Main savings objective 30% tax credits specific to the Fonds1 Redemption criteria Tax-deductible contribution Tax treatment upon withdrawal Annual contribution limit
Non-RRSP+ shares with the Fonds Supplementing your retirement savings Yes, for the first $5,000 of your annual contribution No Capital gain No
Retirement planning Yes, for the first $5,000 of your annual contribution Yes Additional income RRSP contribution room

Most frequently asked questions

Non-registered savings
Why should I hold non-RRSP+ shares?
Because you have reached your annual RRSP+ contribution limit and want to continue saving for retirement.
More Details : Why should I hold non-RRSP+ shares?
Non-registered savings
Can I open a non-RRSP+ account online?
No. The opening of a non-RRSP+ account is governed by a federal law that requires the holder to disclose his identity with the institution.
More Details : Can I open a non-RRSP+ account online?
Non-registered savings
What does it means to buy non-RRSP+ shares?
It means you can buy shares that aren't registered in an RRSP+.
More Details : What does it means to buy non-RRSP+ shares?
Redemptions and withdrawals
Do I need to repay the tax credits when I redeem RRSP+ shares or shares held outside an RRSP+?
You will never need to repay the additional tax credits you were granted, unless you fail to make the required repayments under the Home Buyers' Plan (HBP) and the Lifelong Learning Plan (LLP).
More Details : Do I need to repay the tax credits when I redeem RRSP+ shares or shares held outside an RRSP+?
Discover the Fonds
What can I expect as a return on investment?
The Fonds' share performance depends on the change in the value of its share; therefore, it isn't predetermined. The share is currently valued at $55.84.
More Details : What can I expect as a return on investment?

Want to open a non-RRSP+ account?

Contact one of our Saving Services agents.

1-800-567-3663

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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 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.

    1

    The acquisition of shares of the Fonds de solidarité FTQ may give rise to labour-sponsored fund tax credits. The tax credits amount to 30%, namely 15% at the Quebec level and 15% at the federal level, and are limited to $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ. On March 1, 2024, The Government of Québec announced in Information Bulletin 2024-3 that tax legislation would be amended to postpone by three years the rule providing that the tax credit would be available only to individuals whose taxable income for a given taxation year was below the highest tax rate. Please note that this postponement may be subject to legislative changes.

    2

    Capital gains tax inclusion rate for 2024. This rate may change in the future.

    3
    As at November 30, 2023.