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

Get an additional 30% in tax savings*

An RRSP+ with the Fonds entitles you to an extra 30% in tax savings* in addition to the standard RRSP deduction—a great incentive for working Québecers to choose this product.

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

Share value
$53.21

Annual return
20.3%

Shareholders' annual compound
returns as at May 31, 2021

20.3%
1 year
9.3%
3 years
8.9%
5 years
7.5%
10 years

Learn more

Calculate your tax savings

My annual taxable income is

I would like to contribute:

0
{{ calculatorSliderHandle }}
$5,000

Tax savings: $1,437.50

tax return with a traditional 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 continuously with automatic savings

Contribute to your RRSP+ anytime online: it's easy, convenient, and secure! Our agents are ready to take your call in case you have questions.



Automatic bank withdrawals

With this savings method, you can contribute to your savings goals without even having to think about it! Simply choose how much and how often you wish to contribute. The amount will be withdrawn directly from your bank account.

Discover the benefits of automatic bank withdrawals
 

Payroll deductions

Does your employer offer payroll deductions? This convenient contribution method lets you save automatically with each paycheque. Plus, by opting in, you benefit immediately from your tax savings.

Discover the benefits of payroll deductions
 

Did you know that an RRSP+ can help you achieve your goals?

Whether you're just starting to save or nearing retirement, your Fonds savings are there to support you throughout your life.

Buy your first home

The RRSP+ and the HBP make it easier to finance the purchase of your first home.

Go back to school

Update your skills or get a fresh start: with the LLP, you can go back to school for less.

Plan your retirement

Retiring with peace of mind requires careful planning. Save with the RRSP+ and build the retirement that's right for you.

A flexible RRSP in case of bumps in the road

An RRSP+ with the Fonds will also help you meet any challenges life throws your way.***

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

These articles may be of interest to you

  • 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.

    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.

    ** 

    As at May 31, 2021

    *** 

    Because the Fonds is subject to a share redemption policy, it can redeem your shares only if your situation meets one of the redemption criteria set out in Schedules 1 and 2 of the Prospectus.