Invest in the local economy with FlexiFonds products

Your values create value.

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Choose a savings product that's good for you and for Québec

By choosing FlexiFonds products, you can support the local economy and Québec society while working towards your savings goals and honouring your personal values.

TFSA with FlexiFonds products
Take advantage of tax-sheltered earnings as soon as you turn 18.
Save for a project or boost your retirement income.
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RRSP with FlexiFonds products
Take advantage of the RRSP tax deduction.
Save for retirement, your first home, or going back to school.
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RRIF with FlexiFonds products
Transfer money from your RRSP+ to unlock retirement income while your savings continue to grow tax-free.
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Investment Account with FlexiFonds products
Keep saving, even if you've already reached your maximum RRSP or TFSA contributions with a non-registered savings vehicle.
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See all FlexiFonds products See all FlexiFonds products

Why choose FlexiFonds products?

  • Investments in the local economy
  • Access to a team of advisors, regardless of the size of your savings, with zero pressure and zero commissions
  • Choice of three products tailored to different risk profiles and savings goals
  • More than 40 years of financial experience at your service

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FlexiFonds products do not qualify for additional 30% tax credits, but they do provide the tax benefits specific to RRSPs and TFSAs.

70% of FlexiFonds mutual fund assets are related to the local economy

Investing with FlexiFonds products is a great way to keep your savings local.

Flexible products that suit your profile

With FlexiFonds mutual funds, you can choose from three products tailored to various investor profiles and savings goals. In addition to enjoying the flexibility to access your money when you need it, you won't have any enrolment, transaction, or redemption fees to pay.

FlexiFonds Conservative

You prioritize income stability over long-term appreciation of your savings?

Discover Conservative Fund

FlexiFonds Balanced

Looking for balance between income and savings growth?

Discover Balanced Fund

FlexiFonds Growth

Looking for long-term savings growth and, to a lesser extent, income?

Discover Growth Fund

FlexiFonds' funds returns

 

Annual compound returns (%) as of May 31, 2025*

  Year to Date 1 year 3 years 5 years 10 years Since Inception
FlexiFonds Conservative 1.08% 8.68% 4.15% 2.32% N/A 3.04%
FlexiFonds Balanced 1.27% 9.92% 5.65% 4.19% N/A 4.48%
FlexiFonds Growth 1.30% 10.48% 7.03% 6.26% N/A 6.14%
* The management expense ratio (MER) is already deducted from the reported returns.

Legal notice

Management fees and other expenses may be associated with mutual fund investments. Please consult your advisor and read the prospectus and the fund facts documents before making an investment. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

How much is a FlexiFonds mutual fund advisor worth?

Did you know that our FlexiFonds mutual fund advisors put their expertise and skill at your disposal, with zero pressure and zero commissions?

As an investor, you may be tempted to deviate from your long-term savings objectives. That's where the FlexiFonds team comes in, to help you make decisions that are in your best interest. According to a Quebec study conducted by CIRANO, using financial advice could enable you to accumulate nearly 3 times more savings than if you were to invest on your own for retirement.

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What our savers say

"The professionalism of the advisor over the phone means that we see him more as a partner who wants us to be well informed and at ease, rather than as salesperson"

— Yves, FlexiFonds saver

"A positive experience. I was supported from start to finish. VIP service. Thank you very much!"

— Lorraine, FlexiFonds investor

Our full range of savings products

Compare the key features of our savings products and vehicles.

Main savings objective Redemption criteria Online registration Contribution method 30% tax credits specific to the Fonds
FlexiFonds mutual funds
TFSA
with FlexiFonds products		 Retirement or saving for a project No conditions Yes One-time or automatic bank withdrawals No
RRSP
with FlexiFonds products		 Retirement No conditions Yes One-time or automatic bank withdrawals No
LIRA
with Flexifonds products		 Retirement Locked in until retirement, except in certain cases No Transfers only No
RRIF
with FlexiFonds products		 Retirement income No conditions Yes Transfers and withdrawals only No
Investment Account
with FlexiFonds products		 Maximize your savings beyond the RRSP and TFSA limits No conditions No One-time or automatic bank withdrawals No

ico-transfert

Save up to $200 on FlexiFonds transfer fees[1]

Transfer your RRSP, TFSA, RRIF or LIRA from another financial institution to a FlexiFonds product to take advantage of this promotion.[1] We'll even take care of the paperwork for you!

See the promotion

About FlexiFonds de solidarité FTQ

Logo Flexifonds

FlexiFonds de solidarité FTQ inc., a wholly owned subsidiary of the Fonds de solidarité FTQ, is a mutual fund dealer duly registered with the Autorité des marchés financiers. FlexiFonds de solidarité inc. acts as the principal distributor of the FlexiFonds funds and does not distribute the units of any other mutual fund.

Most frequently asked questions

FlexiFonds
Do I get the 30% tax credits with the FlexiFonds offering?
The 30% tax credits are only available with the Class A shares of the Fonds. No labour-sponsored fund tax credit is applicable to FlexiFonds. With  FlexiFonds products, you get the tax benefits related to the savings vehicles offered and the opportunity to easily access your savings when you need them.
More Details : Do I get the 30% tax credits with the FlexiFonds offering?
FlexiFonds
Can I transfer my savings to FlexiFonds from another financial institution?
Yes. You can transfer a TFSA, an RRSP or a RIFF to a FlexiFonds product by phone or directly online.
More Details : Can I transfer my savings to FlexiFonds from another financial institution?
FlexiFonds
Are the Fonds' savings products guaranteed investments?
Investments are not guaranteed, whether they are investments in the Fonds' shares or in FlexiFonds mutual funds.
More Details : Are the Fonds' savings products guaranteed investments?
FlexiFonds
What is the role of a mutual fund advisor?
Mutual fund advisors hold the mutual fund dealing representative designation. Their role is to analyze the financial position of savers to offer them mutual funds that are tailored to their needs and their investor profile.
More Details : What is the role of a mutual fund advisor?
FlexiFonds
Who can buy FlexiFonds mutual fund units?
Whether you're a Fonds saver or not, you can buy FlexiFonds mutual fund units if you are 18 years of age or older and reside in Québec.
More Details : Who can buy FlexiFonds mutual fund units?
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?

Give us a call, and let's talk about your plan!

1-833-383-2121

These articles may be of interest to you

  • 1

    By participating in the Transfer Fee Refund Promotional Offer (the "Offer"), and subject to applicable laws and the current prospectus, you (the "Client") acknowledge that you have read, understand, and agree to be bound by the following terms and conditions.

    In accordance with the terms of the offer, an amount equivalent to the transfer fees incurred, up to a maximum of $200, will be reimbursed to any client who transfers and invests all or part of a registered investment account such as an RRSP, TFSA, RRIF or LIRA with a minimum value of $5,000 (the "Eligible Account") from another financial institution to FlexiFonds de solidarité FTQ inc. ("FlexiFonds").

    This Offer is valid for all existing or new FlexiFonds Clients who have an active account with FlexiFonds. To be eligible for this refund, the Client must submit a transfer request from an Eligible Account between 8:00 a.m. ET on February 2, 2023, and 11:59 p.m. ET on May 31, 2023 (the "Eligibility Period").

    This offer is intended for any current client or any new client of FlexiFonds who has an active account with FlexiFonds. The Fonds de solidarité FTQ may end this promotional offer without notice.

    The reimbursement of transfer fees shall be equal to the lesser of: (i) the actual transfer fee for an Eligible Account; or (ii) a maximum amount of $200 per Eligible Account, whichever is less. There is no limit to the number of Eligible Accounts a Client can transfer during the Eligibility Period. Partial transfers from the same Eligible Account are eligible for a single reimbursement only. 

    All transfer fee refunds shall be made by issuing an equivalent amount of FlexiFonds shares, directly credited to a FlexiFonds account in accordance with the same investment instructions applicable to the proceeds of the Eligible Account being transferred. Any request to redeem or switch FlexiFonds units received within 90 days of the end of the transfer process shall result in the Offer being rendered null and void, and the Client will be required to repay all transfer fees refunded by FlexiFonds.

    Transfer fees will be refunded in Canadian dollars after the transfer process is complete. The refunded amount shall not count as an RRSP, TFSA, RRIF or LIRA contribution, and no tax receipt will be issued. FlexiFonds mutual fund investments are not eligible for the Labour-sponsored funds tax credit. Transfer fee refunds may have tax implications. For more information, we recommend that the Client consult with their advisor.

    Under this Offer, only the transfer fees shall be refunded. No refunds will be made for transferring an Eligible Account that is exempt from transfer fees. The Client is responsible for all redemption fees, liquidation fees, commissions, and any other fees associated with transferring the account.

    Transfer requests that do not meet the eligibility requirements stated in the prospectus shall be denied. Fonds de solidarité FTQ and FlexiFonds reserve the right to suspend, cancel, or modify the terms and conditions of the offer at any time and without prior notice, and reject all liability for any loss, damage, or other harm that may result from taking part in the offer and transferring an Eligible Account.

    FlexiFonds reserves the right to suspend, cancel, or modify the terms of this Offer at any time without prior notice. FlexiFonds may also refuse transfer requests from Clients who do not meet the eligibility requirements as stated in the prospectus.

    FlexiFonds is not liable for any loss, damage, or harm that may arise from taking part in this Offer and transferring an Eligible Account.

    Information
    All the information and data provided are for information purposes only; they are not intended to provide advice or recommendations of a financial, legal, accounting or tax nature with respect to investments. 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 an offer for the subscription or sale of shares of the Fonds de solidarité FTQ or the units referred to herein and should not be viewed as a recommendation. We suggest you consult your legal advisor.

    FlexiFonds de solidarité FTQ Inc.
    The units of the FlexiFonds funds 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 the units of any other mutual funds. Management fees and other expenses may be associated with mutual fund investments. Please consult your advisor and read the prospectus and the fund facts documents before making an investment. The units of the FlexiFonds funds are not covered by the Canada Deposit Insurance Corporation nor any other government deposit insurer. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

    Trademarks
    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 website is the property of Fonds de solidarité FTQ. By using the website, 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.