A helping hand for your medium-term plans

Planning a wedding or renovations in the next three to five years? Find out how the TFSA with FlexiFonds can help.

  • The money in your TFSA with FlexiFonds—your initial capital plus any potential investment income—grows tax-free! This way, you have as to all your savings when you make a withdrawal to carry out a project.

    Investing your savings in a TFSA can be a wise choice as a complement to your RRSP+ savings with the Fonds.

  • FlexiFonds savings solutions offer greater withdrawal flexibility compared to the RRSP+ with the Fonds because the amounts invested in them can be withdrawn at any time, free of charge,1 to help you make your plans come true.

    Since the value of FlexiFonds mutual funds can fluctuate over time, our specialists generally recommend that savers hold their savings over an investment horizon of at least three years.

  • Your investor profile is the starting point for assessing which of the three FlexiFonds mutual funds is best suited to your needs: Conservative, Balanced, or Growth. It is determined when you open a new savings vehicle with FlexiFonds, based on your answers to a short questionnaire that assesses factors such as your main savings objective, investment horizon, and risk tolerance.

FlexiFonds: New advice and a new product offering developed just for you

Local investments

With 70% of their assets related to Québec's economy, our new products are in line with the Fonds' mission to support Québec's economy. Our savings solutions are unique on the market and highly invested in Québec since one-third of their assets consist of shares of our labour-sponsored fund.

Savings products that suit your profile

With our mutual funds, you can choose from 3 products geared to various investor profiles and your savings plans. Moreover, you can access your money when you need it.

Objective advice

As they receive a fixed salary and not a commission, our mutual fund advisors have only one goal: helping you turn your plans into reality. If none of the products meet your needs, they will provide you with a better-suited option.

Cédric is planning to renovate his kitchen by investing in a TFSA with FlexiFonds 

Find out how a TFSA with FlexiFonds can help him achieve his goal! 

Cédric would like to renovate his kitchen in the next five years. He already has $3,000 set aside, which he intends to invest in a TFSA with the FlexiFonds Growth Fund. He calculates that if he adds $150 per bi-weekly paycheque to this amount, his portfolio could grow to $25,379 in five years, based on a 5% return. He would gain a potential $2,879 in tax-free earnings2—and be able to reach his savings objective faster!


Cédric, 32 years old

Gross taxable salary:

Kitchen renovations

Project cost:

Savings habits
$150 per paycheque, every two weeks


Given that Cédric has sufficient TFSA contribution room, is financially stable, and already has an emergency fund for his short-term needs. Please note that FlexiFonds funds are not guaranteed, their value fluctuates, and past returns are not indicative of future returns.

Manage your finances and bring your projects to fruition with our budget tool

Whatever your project, whether you're looking to purchase a home, planning to have a baby, or shopping for a new car, you can reach your savings goals with our budget tool.

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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?
For what goal is a TFSA a good investment option?
This savings vehicle can be useful if you want to realize a specific project, set aside an emergency fund or to top up your retirement savings.
More Details : For what goal is a TFSA a good investment option?

Ready to invest in a TFSA with FlexiFonds?

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  • 1Conditions may apply, please read FlexiFonds' prospectus.

    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.

    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.

    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.

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