Options for a customized retirement!

Want to learn how to make the most of your retirement savings?

Whatever your situation may be as you ramp up to this new chapter of your life, the Fonds is there to guide you. Discover how:
  • If you’re thinking of retiring before you turn 65, you can draw on your RRSP+ under the following conditions:

    • You’re at least 45 years old.
    • You’re receiving a pension under an employer’s registered pension plan.
    • You own shares that you’ve held for at least 730 days.

    For more information on submitting a redemption request for retirement before age 65, see our FAQ.

    You can also contact one of our Shareholder Services agents at 1 800 567-3663.

  • Thinking about retiring but not ready to stop working altogether? Phased retirement is a great way to pave the way to a smooth retirement transition. And, best of all,, you can continue to benefit from your professional income.

    With respect to your retirement savings with the Fonds, you can submit a request to redeem the shares you hold with the Fonds as soon as you begin your phased retirement, subject to the following conditions:

    • You’re 50 years of age or older.
    • You’ve contributed to the Québec Pension Plan for at least one year.
    • You’re a salaried employee.
    • You’ve entered into an agreement with your employer or employers to reduce your regular working hours at least 20% until retirement.

    *If you have multiple employers, you must arrange with them to reduce your regular working hours by at least 20%.

    For more information on submitting a phased retirement redemption request, see the FAQ.

    You can also contact one of our Shareholder Services agents at 1 800 567-3663.

  • To make the most of the retirement savings you’ve invested with the Fonds, contact one of our Shareholder Services agents at 1 800 567-3663. They’ll send you all the documentation you need.

  • If you aren’t ready to retire at 65, you can still maximize your savings with the Fonds and submit a request to redeem your shares.

    To learn more, contact one of our Shareholder Services agents at 1 800 567-3663. They’ll be happy to your questions.

  • You may keep your RRSP+ until age 71, even if you are retired. But once you reach this legal age limit, you must submit a request to redeem the shares held in your RRSP+ or transfer those shares to another savings vehicle, such as our FlexiFonds mutual funds. An RRIF is an ideal solution to continue optimizing your retirement savings.

    What’s a RRIF?

    A Registered Retirement Income Fund (RRIF) allows you to transfer, on a tax-deferred basis, the money held in your RRSP to another vehicle in order to receive retirement income.

    What are the benefits of our FlexiFonds savings solutions?

    By keeping your savings in the large Fonds family, you can get objective advice from our experts, who receive a salary and not a commission. You can also choose among our 3 funds that are tailored to your risk tolerance and, on top of everything, drive our local economy!

    To learn more about RRIFs and our FlexiFonds offering, contact one of our Saving Services agent at 1 800 567-3663.

The RRIF has many benefits.

01
It helps you avoid paying too much tax.

02
It acts as a flexible source of income.

03
It offers a safe financial vehicle for your savings.

Most frequently asked questions

Getting Started
What does my income need to be when I retire?
Most specialists agree that, if you want to maintain your lifestyle upon retirement, you’ll need roughly 70% of your gross annual work income
More Details : What does my income need to be when I retire?
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?
Redemptions and withdrawals
I'm 65, but I'm not yet retired. Can I redeem my RRSP+?
Yes. As soon as you reach 65 years of age, whether you are retired or not, you can redeem your RRSP+.
More Details : I'm 65, but I'm not yet retired. Can I redeem my RRSP+?
Redemptions and withdrawals
I’m retired. If I invest in an RRSP+ with the Fonds, will I be eligible for labour-sponsored funds tax credits?
You may qualify for additional tax credits if, among other things, you have never withdrawn from your RRSP+ under the retirement criteria.
More Details : I’m retired. If I invest in an RRSP+ with the Fonds, will I be eligible for labour-sponsored funds tax credits?
Discover the Fonds
What can I expect as a return on investment?
The Fonds’ share performance depends on the change in the value of its share; therefore, it isn’t predetermined. The share is currently valued at $43.90.
More Details : What can I expect as a return on investment?
Redemptions and withdrawals
How will my share redemption price be determined?
The current value of the share price can be found on the Fonds' website homepage.
More Details : How will my share redemption price be determined?

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

Monday to Friday, 8:30 a.m. to 5 p.m.

1 800 567-3663
  • 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. Please consult your advisor and read the prospectus and Fonds overview before making an investment. The Fonds' securities 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.
Legal Notes
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 fondsftq.com website, from a local representative or at the offices of the Fonds de solidarité FTQ. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
Prospectus En ( 878 Kb )