Choosing the RRSP+ with the Fonds is a win-win decision!

Get an additional 30% in tax savings*

In addition to the usual RRSP deductions, the RRSP+ with the Fonds entitles you to tax credits totalling 30%*.

Save for your life plans

With the RRSP+, you can save for projects other than retirement, such as buying a house or going back to school.

Support the local economy

The Fonds invests in local companies. When you contribute to the RRSP+ with the Fonds, you help maintain hundreds of thousands of quality jobs** in Québec.

Choosing the RRSP+ means reaching more than 700,000 shareholder-savers** who act out of solidarity and contribute to Québec's socioeconomic prosperity.

Contribute now

* 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.

**  As at May, 31 2020

Calculate your tax savings

My annual taxable income is

I would like to contribute:

0
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$5,000

Tax savings: $1,437.50

tax return with a regular RRSP

tax return with the Fonds' RRSP+

Thanks to the standard RRSP deductions and the additional 30% tax savings unique to the Fonds, your RRSP+

will only cost you $1,062.50

for an annual savings of $2,500

Contribute now Calculate my payroll deduction

Save at your own pace with the RRSP+

Contribute online to your RRSP+ when it's convenient for you: it's easy, fast and secure! Our agents are just a phone call away if you need help.



Payroll deduction

Does your employer offer this option? Save with every pay and benefit from tax savings immediately.


Automatic bank transfers

Adopt healthy savings habits without having to worry about it! All you need to do is determine the frequency and amount of your contributions, and they will be debited directly from your bank account.


Lump-sum payments

If new funds become available in your budget, boost your savings by investing them from time to time in your RRSP+.

Save and enjoy with payroll deduction

See how you can save more for less with the RRSP+.

homme-sourire-reveur

Xavier, 38 years old

Annual taxable income
$31,500

Contribution
$50 per pay

Financial goal
Buying his first home

Xavier has been contributing to the RRSP+ with the Fonds since last year through automatic bank transfers. He has set aside $50 every two weeks to build up his down payment. In this way, he saved $1,300 in his RRSP+, in addition to receiving $748 in tax savings* at the end of the fiscal year.

Xavier's new employer offers payroll deduction, an option that makes it possible to take advantage of tax savings directly on his pay. After doing a few calculations, Xavier realizes that for the same $50, payroll deduction allows him to contribute $118 every two weeks to his RRSP+, with $68 in tax savings credited directly on his pay.

Xavier enjoys his tax savings when he contributes, rather than receiving a large tax refund at the end of the year that he may end up spending rather than saving. He realizes that he'll be able to buy his house more quickly with payroll deduction, since it allows him to invest the equivalent of $1,764 in tax savings directly into his RRSP+ for a total annual savings of $3,068!**

* 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.

** Calculated amounts are estimates which may vary depending on your tax situation. Note that the income tax brackets and tax rates used are established according to the current fiscal rules as of January 1, 2020.

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Most frequently asked questions

RRSP+
What’s the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
Only the RRSP+ with the Fonds offers an additional 30% in tax savings. However, its biggest difference lies in its social impact.
More Details : What’s the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
Redemptions and withdrawals
Can I withdraw money from my RRSP+ before age 65?
You can benefit from the savings in your RRSP+ well before your 65th birthday, but only under certain conditions!
More Details : Can I withdraw money from my RRSP+ before age 65?
Getting Started
Who is eligible to contribute to an RRSP?
Any person who earns income in Canada and is 71 years of age or younger as of December 31 of the current year.
More Details : Who is eligible to contribute to an RRSP?

Save and enjoy life with the RRSP+

Contribute now
Legal 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.
Calculated amounts are estimates which may vary depending on your tax situation. Note that the income tax brackets and tax rates used are established according to the current fiscal rules as of January 1, 2020.
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 ( 641 Kb )