Choosing the RRSP+ with the Fonds is a win-win decision!
Get an additional 30% in tax savings*
Save for your life plans
Support the local economy
Calculate your tax savings
My annual taxable income is
I would like to contribute:
Tax savings: $1,437.50
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.
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.
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+.
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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Save and enjoy life with the RRSP+
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