Why invest in a tax-free savings account (TFSA)?

When you invest in a TFSA, you can save tax-free, starting at age 18. This means that neither the returns you earn on your investment nor any withdrawals will be taxed.

A savings vehicle that can be used to:

Investing local is another way to support the local economy

In keeping with the Fonds' mission, the money you save in your TFSA with FlexiFonds is reinvested primarily in the Québec economy.

The benefits of choosing the TFSA with FlexiFonds:

  • Earnings that grow tax-free and income that isn't taxable even when withdrawn.
  • The flexibility to withdraw, ideal for your medium- or long-term plans!
  • A choice of three products tailored to various risk profiles and your savings plans.

Open an account



Reinvest your tax savings in your TFSA every year!

With three funds to choose from, there's one for everyone

Mutual funds composed of mainly Québec stocks and bonds, which help stimulate the local economy.

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?

Choose the savings solution tailored to your needs

These two savings solutions differ in the following key ways:

Main savings objective 30% tax credits specific to the Fonds Redemption criteria Tax-deductible contribution Taxable withdrawal
RRSP with FlexiFonds Retirement No No restrictions Yes Yes
TFSA with FlexiFonds Saving for a project No No restrictions No No

Calculate the future value of my TFSA

{{minAnnual}} {{maxAnnual}}
{{ annualAmountHandle }}
{{ minYear }} {{ maxYear }}
{{ overPeriodHandle }}
{{ minPercentInterest }} {{ maxPercentInterest }}
{{ pourcentageEnEntier }}

Projected value of my TFSA*

* 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.

Make sure you have sufficient TFSA contribution room.
You can find this information by logging into “My Account” on the CRA website or by calling the CRA's Tax Information Phone Service (TIPS) at 1-800-267-6999.

Most frequently asked questions

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?
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?
Who can invest in a TFSA?
Any individual aged 18 or older who has a valid social insurance number (SIN) may invest in a TFSA.
More Details : Who can invest in a TFSA?

Ready to invest in your TFSA with FlexiFonds?

Open an account
  • 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.

    FlexiFonds, FlexiFonds Conservative, FlexiFonds Balanced and FlexiFonds Growth and the other trademarks displayed on this site are registered trademarks of the Fonds de solidarité FTQ. Other companies' trademarks are used with permission or under license. All rights reserved. Trademark references on this site should not be construed as an implied authorization to use such trademarks.

    Access and site availability
    The site is the property of Fonds de solidarité FTQ. By using the site, you agree to the following terms of use. You acknowledge and agree that the Fonds de solidarité FTQ may restrict, suspend or revoke your access to or use of all or part of the site, including links to third party sites, at any time, with or without cause, in its absolute discretion, without notice or liability. The Fonds de solidarité FTQ does not guarantee that this site will be available and meet your requirements or that access to this site will be uninterrupted. Availability downtime may occur at any time, without notice, including downtime required for maintenance or technical reasons.