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

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

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

Why choose FlexiFonds?

Investments with a strong focus on Québec
An online platform that lets you manage everything in one place
Objective and caring advice
More than 35 years of financial experience at your service

picto_ampoule-noir

Tip

Take advantage of our automatic
savings feature to save
without thinking!

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

Investing with FlexiFonds 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?

FlexiFonds Balanced

Looking for balance between income and savings growth?

FlexiFonds Growth

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

FlexiFonds' funds returns

Annual compound returns (%) as of December 31, 20211

  1 year 3 years 5 years 10 years Since Inception
FlexiFonds Conservative 2.48% ND ND ND 5.33%
FlexiFonds Balanced 4.78% ND ND ND 6.96%
FlexiFonds Growth 7.58% ND ND ND 9.23%
The management expense ratio (MER) is already deducted from the reported returns.

Legal notice

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 indicated rate of return is the historical annual compounded total return including changes in unit value and reinvestment of all distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. The mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

Personalized advice and service you can trust​

Our FlexiFonds mutual fund advisors put their expertise and skill at your disposal, with zero pressure and zero commissions. They will be happy to answer your questions and help you choose among our FlexiFonds savings solutions.

Get to know our advisors

Our full range of savings solutions

Compare the key features of our savings products and vehicles.

Main savings objective Redemption criteria Online registration Contribution method Local savings
FlexiFonds mutual funds
FlexiFonds TFSA Retirement or saving for a project No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRSP Retirement No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRIF Retirement income No conditions No Transfers and withdrawals only Yes
FlexiFonds
investment account
Maximize your savings beyond the RRSP and TFSA limits No conditions No One-time or automatic bank withdrawals Yes

About FlexiFonds de solidarité FTQ

FlexiFonds de solidarité FTQ Inc. is a wholly-owned subsidiary of the Fonds de solidarité FTQ. FlexiFonds de solidarité FTQ Inc. acts as the principal distributor of the funds' units and is a mutual fund dealer registered with the Autorité des marchés financiers.

 Most Frequently Asked Questions

FlexiFonds
Can I transfer my savings from another financial institution to a FlexiFonds fund?
Yes, you can consolidate your savings in the Fonds family. Simply call us and be sure to have an account statement on hand.
More Details : Can I transfer my savings from another financial institution to a FlexiFonds fund?
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
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
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?

You can invest in several of our savings solutions online.

Open an account

These articles may be of interest to you

  • 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.

    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 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.