We help you save for a decent retirement

Find out how

Saving with the Fonds goes beyond the RRSP+. We give you access to a wealth of resources and caring professionals so you can feel confident about your retirement game plan.

So, what can the Fonds do for me?

Aligning your retirement plans with your short-term goals can be daunting. To successfully plan for a decent retirement, we believe it takes the right balance of three ingredients.

The right tools

Our six 100% free calculators are intuitive and quick to use. Use them to estimate your tax savings, net worth, retirement income, RRIF payments, and more!

A concrete retirement plan

Your plan allows you to set goals and keep track of your progress. Since it's linked to your online account, you can update it in just a few clicks.

Caring advisors

FlexiFonds mutual fund advisors are easy to reach and do not work on commission. Their job is to keep you on track and give you accurate information. Period.

Front view of a laptop and a mobile phone displaying the web page of the retirement income calculator.

No plan means more stress

Whether you're ahead of the game or think you've fallen behind in your retirement planning, you can use our online tool to test different scenarios and start building a solid plan.

What should a good retirement plan cover?

The main steps of a retirement plan

Know your financial and family situation
Identify your sources of income in retirement
Determine the age at which you want to retire
Identify your retirement goals and lifestyle
Decide on an investment strategy

Follow the guide

FlexiFonds mutual fund advisor and financial planner Sébastien Lafontaine is an expert with our retirement income calculator. Using the case of a saver 10 years from retirement, we provide an overview of the tool and what makes it so useful.

Advisors who are actually easy to reach.

Speak with a FlexiFonds mutual fund advisor.

FlexiFonds mutual fund advisors are standing by to answer your questions or work with you to complete your plan.


Monday to Thursday, from 9 a.m. to 8 p.m., and Fridays from 9 a.m. to 5 p.m.

Two FlexiFonds advisors smile at the camera.

Watch our latest webinars

The Fonds also provides support by taking part in exclusive events designed especially for our savers. Until our next event, catch up on the highlights from previous years!

Save up to $150 in FlexiFonds transfer fees when you move funds to a FlexiFonds product

Transfer the funds in your RRSP, TFSA, or RRIF with another financial institution to an account with FlexiFonds products to take advantage of this promotion.[1] We'll even take care of the paperwork for you!

Learn more about this promotion DLearn more about this promotion
  • 1

    By participating in the Transfer Fee Refund Promotional Offer (the "Offer"), and subject to applicable laws and the current prospectus, you (the "Client") acknowledge that you have read, understand, and agree to be bound by the following terms and conditions.

    In accordance with the terms of the offer, an amount equivalent to the transfer fees incurred, up to a maximum of $150, will be reimbursed to any client who transfers and invests all or part of a registered investment account such as an RRSP, TFSA, or RRIF with a minimum value of $5,000 (the "Eligible Account") from another financial institution to FlexiFonds de solidarité FTQ inc. ("FlexiFonds").

    This Offer is valid for all existing or new FlexiFonds Clients who have an active account with FlexiFonds. To be eligible for this refund, the Client must submit a transfer request from an Eligible Account between 8:00 a.m. ET on February 2, 2023, and 11:59 p.m. ET on May 31, 2023 (the "Eligibility Period").

    This offer is intended for any current client or any new client of FlexiFonds who has an active account with FlexiFonds. The Fonds de solidarité FTQ may end this promotional offer without notice.

    The reimbursement of transfer fees shall be equal to the lesser of: (i) the actual transfer fee for an Eligible Account; or (ii) a maximum amount of $150 per Eligible Account, whichever is less. There is no limit to the number of Eligible Accounts a Client can transfer during the Eligibility Period. Partial transfers from the same Eligible Account are eligible for a single reimbursement only. 

    All transfer fee refunds shall be made by issuing an equivalent amount of FlexiFonds shares, directly credited to a FlexiFonds account in accordance with the same investment instructions applicable to the proceeds of the Eligible Account being transferred. Any request to redeem or switch FlexiFonds units received within 90 days of the end of the transfer process shall result in the Offer being rendered null and void, and the Client will be required to repay all transfer fees refunded by FlexiFonds.

    Transfer fees will be refunded in Canadian dollars after the transfer process is complete. The refunded amount shall not count as an RRSP, TFSA, or RRIF contribution, and no tax receipt will be issued. FlexiFonds mutual fund investments are not eligible for the Labour-sponsored funds tax credit. Transfer fee refunds may have tax implications. For more information, we recommend that the Client consult with their advisor.

    Under this Offer, only the transfer fees shall be refunded. No refunds will be made for transferring an Eligible Account that is exempt from transfer fees. The Client is responsible for all redemption fees, liquidation fees, commissions, and any other fees associated with transferring the account.

    Transfer requests that do not meet the eligibility requirements stated in the prospectus shall be denied. Fonds de solidarité FTQ and FlexiFonds reserve the right to suspend, cancel, or modify the terms and conditions of the offer at any time and without prior notice, and reject all liability for any loss, damage, or other harm that may result from taking part in the offer and transferring an Eligible Account.

    FlexiFonds reserves the right to suspend, cancel, or modify the terms of this Offer at any time without prior notice. FlexiFonds may also refuse transfer requests from Clients who do not meet the eligibility requirements as stated in the prospectus.

    FlexiFonds is not liable for any loss, damage, or harm that may arise from taking part in this Offer and transferring an Eligible Account.

    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 units of the FlexiFonds funds are not covered by the Canada Deposit Insurance Corporation nor any other government deposit insurer. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

    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 website is the property of Fonds de solidarité FTQ. By using the website, 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.