The RRSP with FlexiFonds
Invest in a Flexifonds savings product tailored to your risk tolerance profile and your savings plans.
InvestWhy invest in a registered retirement savings plan (RRSP)?
Investing in an RRSP allows you to deduct the amount of your contribution from your income and defer the tax payable until later, when you make withdrawals from your RRSP.
A savings vehicle useful to:
The benefits of the RRSP with FlexiFonds
- Local investments in line with the Fonds' mission
- A tax deduction specific to RRSPs
- A flexibility regarding withdrawals
- A choice of three products tailored to various risk profiles and your savings plans.
Tip
Use the RRSP with FlexiFonds as a complement your RRSP+!
The FlexiFonds offering: the Fonds family has grown
Personalized advice and savings solutions, 100% online and over the phone, are now possible with Fonds!
When you choose the RRSP with FlexiFonds, you are investing in a mutual fund, which reduces risk by diversifying your portfolio. We'll work with you to define your investor profile and offer you the product that's right for you.
With three funds to choose from, there's one suitable for everyone
FlexiFonds Conservative
You prioritize income stability over long-term appreciation of your savings?
FlexiFonds Balanced
Looking for balance between income and savings growth?
FlexiFonds Growth
Looking for long-term savings growth and, to a lesser extent, income?
Should you invest in an RRSP+ or the RRSP with FlexiFonds?
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 | |
|---|---|---|---|---|---|
| RRSP+ | Retirement | Yes* | Subject to the Fonds' redemption criteria | Yes | Fonds shares |
| RRSP with FlexiFonds | Retirement | No | No restrictions | Yes | 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.
Calculate the future value of my RRSP
Projected value of my RRSP*
* The rate of return is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the Fonds de solidarité FTQ's share.
Achieve your life plans more easily!
Find out how investing in an RRSP with FlexiFonds can complement your RRSP+.
Nom : Claude
Age: 56
Job: Foreman
Annual taxable income: $81,000
Goal: Planning for retirement
Savings habit: $190 in the RRSP+ with the Fonds every two weeks
Claude is proud of his good savings habits, as retirement is a goal within reach. He has already contributed $5,000 in his RRSP+ with the Fonds this year to benefit from the tax credits for labour-sponsored funds*. With his unused RRSP contribution room for the current year, he wants to increase his savings by investing in an RRSP with FlexiFonds and get ready for retirement.
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.
Most frequently asked questions
FlexiFonds
Why did the Fonds create the FlexiFonds offering?
The Fonds created the FlexiFonds offering to meet other savings needs while further supporting our economy. Only an entity registered as a mutual fund dealer with the AMF, such as FlexiFonds de solidarité FTQ inc., can distribute this offering of savings products.
More Details
: Why did the Fonds create the FlexiFonds offering?
FlexiFonds
What is a mutual fund?
A mutual fund is a pool of money collected from investors. Managed by a fund manager, the allocation of the invested amounts is determined based on the fund's objectives.
More Details
: What is a mutual fund?
FlexiFonds
What are the withdrawal conditions for units registered in an RRSP with FlexiFonds ?
There are no withdrawal conditions for FlexiFonds products. You should note, however, that withdrawing amounts from an RRSP gives rise to tax withholdings.
More Details
: What are the withdrawal conditions for units registered in an RRSP with FlexiFonds ?
Ready to invest in your RRSP with FlexiFonds?
Invest-
Information
All the information and data provided on this site are for information purposes only and are not intended to provide advice on your personal investment situation or investment, financial, legal, accounting or tax recommendations based on a specific personal situation. Although they are deemed reliable, no representation or warranty, express or implied, is made as to the accuracy, quality or completeness of this information and data. The opinions expressed should not be construed as a solicitation or offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your legal advisor.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.Trademarks
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