If you want to start saving, no amount is too small

The sound management of your finances and savings starts with your first contribution. Whether you're eyeing a major purchase, wanting to have a cushion to fall back on, or just want to be able to treat yourself to small luxuries, saving will allow you to carry out all kinds of projects.

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You know what they say—time is money! The sooner you start saving, the more your money will work for you and the easier it will be to reach your goals.

Automatic savings, a strategy that pays off

If budgeting is a great strategy you can use to achieve your financial goals, automatic savings are your most valuable player. You can automate your contributions by setting aside a certain amount of money on a regular basis.

The benefits of automatic savings

Save without thinking

Automating your savings by setting up automatic bank withdrawals¹ is an easy way to make contributions without overthinking it.

Avoid the temptation to spend

By transferring a certain amount of money automatically, you won't be tempted to use these funds for other purchases.

Optimize your investments

Spreading your contributions throughout the year is a good way to mitigate the impacts of market fluctuations. This strategy also helps you form a saving habit that reduces your likelihood of making impulse purchases.

Manage your savings according to your needs

With automatic savings, you choose the amount and frequency of your contributions. This means you can always make changes to suit your needs.

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Saving Savvy: Crash courses to learn to love saving

We recently created a series of videos about personal finances and savings. Join the Fonds' trainer, Susan, as she shares her knowledge about this subject in an effort to make you just as passionate about saving as she is. Just another tool to help you start saving!

Learn more about the courses

The RRSP: Plan for the future while reducing your taxable income today

The Registered Retirement Savings Plan (RRSP) is a very tax-efficient savings vehicle, since the amounts you contribute are fully tax-deductible. What's more, in addition to playing a vital role in your retirement savings plan, this account can also be used to carry out projects such as buying a home with the HBP or going back to school as part of the LLP.

RRSP+ with the Fonds

Take advantage of the RRSP tax deduction.
Receive an additional 30% in tax credits,² exclusive to labour-sponsored funds.
Save for retirement, buying a home, or going back to school.

Learn more about the RRSP+

RRSP with FlexiFonds

Take advantage of the RRSP tax deduction.
Choose between three mutual funds, depending on your risk profile.
Save for retirement, buying a home, or going back to school.

Learn more about the RRSP with FlexiFonds

Start saving with a TFSA

The Tax-Free Savings Account (TFSA) is much more than a savings account! It's a flexible savings vehicle that can help you save throughout every stage of your life. By starting to save today, you'll have the tools you need to carry out your medium- or long-term projects. The TFSA is perfect for this.

TFSA with FlexiFonds

Start saving as soon as you turn 18.
Enjoy tax-free returns.
Withdraw your money tax-free when you need it.
Save for any project you care about.

Learn more about the TFSA with FlexiFonds

Starting early is always a good idea!

Saving smaller amounts when you're young is more profitable than saving larger amounts later in life.

If you contribute $2,000 per year for 20 years, you'll save $40,000. At an annual return rate of 3.5%*, you will have accumulated $56,559.

On the other hand, if you save $1,000 per year for 40 years at the same rate of return, that $40,000 will yield $84,550. That's about $28,000 more for the same amount contributed.

Notes

*In light of its mission and investment strategies, the Fonds de solidarité FTQ anticipates an average net annual return of 3.5% to 4% for the Fonds' Class A shares over the long term. This return does not take into account the tax credits granted to shareholders when they purchase Fonds de solidarité FTQ shares and is subject to volatility on a semi-annual and annual basis. The rate of return is solely used to illustrate the effects of the compound growth rate; it is not intended to reflect the future value of Fonds de solidarité FTQ shares.

Most frequently asked questions

Getting Started
How do I open an account online?
Signing up for an account is an easy and secured process. It only takes a few minutes!
More Details : How do I open an account online?
Getting Started
What's an RRSP?
An RRSP (Registered Retirement Savings Plan) is an investment vehicle that lets you save throughout your professional life to compensate for a financial need that may arise during your retirement.
More Details : What's an RRSP?
Getting Started
What's a TFSA?
A TFSA (Tax-Free Savings Account) is a registered savings acccount in which people aged 18 and over can save money sheltered from tax.
More Details : What's a TFSA?
FlexiFonds
What are the withdrawal conditions for units registered in an RRSP with FlexiFonds ?
There are no withdrawal conditions for FlexiFonds products. You should note, however, that withdrawing amounts from an RRSP gives rise to tax withholdings.
More Details : What are the withdrawal conditions for units registered in an RRSP with FlexiFonds ?
FlexiFonds
What are the withdrawal conditions for units registered in a TFSA with FlexiFonds?
There are no withdrawal conditions or transaction fees on all FlexiFonds products.
More Details : What are the withdrawal conditions for units registered in a TFSA with FlexiFonds?
Redemptions and withdrawals
Under what conditions can I withdraw the money held in my RRSP+ with the Fonds?
Because the Fonds is subject to a share redemption policy, it can redeem your shares only if your situation meets one of the redemption criteria set out in Schedules 1 and 2 of the Prospectus.1
More Details : Under what conditions can I withdraw the money held in my RRSP+ with the Fonds?

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  • 1

    During the financial year, the Fonds de solidarité FTQ may stop issuing shares, suspending certain contribution methods as a result.

    2

    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 Website fondsftq.com, 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

    Information
    All the information and data provided on this website 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 offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your 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 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.

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