Debunking 11 savings myths
LireContinue to enjoy an additional 30% in tax savings thanks to your RRSP+.*
Note:
Cessation of new automatic bank withdrawals agreements
It will not be possible to set up new preauthorized withdrawals or to increase current preauthorized withdrawals for the current financial year.
This measure does not affect contributions made through payroll deductions or existing preauthorized withdrawal agreements.
Call us at 1-800-567-3663 (Monday to Friday, 8:30 a.m. to 5 p.m.).
Log in to your online account.
I would like to contribute:
tax return with a traditional RRSP
tax return with the Fonds' RRSP+¹
Thanks to the benefits of contributing to the Fonds, your investment
will only cost you $1,087.50
for an annual savings of $2,500
Notes
Calculated amounts are estimates which may vary depending on your tax situation. Note that the income tax brackets and tax rates used are established according to the current fiscal rules as of January 1, 2025.
Receive 30% in RRSP+ tax credits* in addition to the standard RRSP deduction.
You determine how often and how much you want to contribute. It only takes a few minutes in your online account.
Once you've set up your automatic withdrawals, you'll be making regular contributions to your savings goals without even having to think about it.
Set up your automatic bank withdrawals today and contribute to your RRSP+ throughout the year, even if share issuance is limited.²
The subscription for shares of the Fonds de solidarité FTQ may give rise to labour-sponsored fund tax credits. The tax credits amount to 30%, namely 15% at the Quebec level and 15% at the federal level, and are limited to $1,500 per fiscal year, which represents a $5,000 subscription for shares of the Fonds de solidarité FTQ. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.
Please read the prospectus before subscribing for shares of the Fonds de solidarité FTQ. 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.
In the event that share issuance is limited, signing new subscription agreements with automatic withdrawals or increasing automatic withdrawals under existing agreements may not be permitted. This measure does not affect FTQ savers who contribute through payroll deductions, who already contribute through automatic withdrawals, or who would like to purchase FlexiFonds mutual fund units.