I'm 55 years of age or older and receive a pension benefit. Can I submit a request to redeem my RRSP+?

Yes. If you receive pension benefits from your pension fund, you can submit a request to redeem your RRSP+.

Tax credit reminder

If you meet the conditions set out in the prospectus, you are eligible for tax credits of 30%1 for labour-sponsored funds until the end of the tax year in which you turn 64 years of age. Note that by withdrawing your savings from the Fonds, in whole or in part, for retirement or disability purposes, you will no longer be eligible for these 30% tax credits on future contributions. This represents an additional tax savings of up to $1,500 per year until the end of the fiscal year in which you turn 64.1.

According to the redemption criteria for retirement, from the time you receive a retirement pension, you can submit a redemption request for the share you hold.


The shareholder must be at least 55 years of age, receive or be set to receive within three months of the request, a life annuity under a pension plan, an annuity under a registered retirement savings plan or a deferred profit-sharing plan or payments under a registered retirement income fund, unless such annuity or payment is received because of the death of his or her spouse.

Document required:

The Fonds de solidarité FTQ form


a copy of proof of payment of one of the following retirement benefits, such as a pension cheque, Relevé 2 or T4A slip:

  • pension benefits under an employer’s pension plan or a declaration by the employer confirming the retirement;
  • periodic payments under a registered retirement income fund (RRIF – LIF);
  • annuity under a deferred profit-sharing plan (DPSP);
  • pension under a registered retirement savings plan (RRSP).

Eligible shares:

All shares held for at least 730 days.

The FlexiFonds offering is the logical extension of your Fonds experience


It's possible to stay invested in the Fonds family with the FlexiFonds offering. It offers Fonds savers a variety of savings vehicles and products tailored to various investor profiles and savings goals.

Learn more about the FlexiFonds offering

Do you have more questions?

Our agents will be pleased to answer any questions you may have at:

Legal Notes
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 indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account income taxes payable by any security holder that would have reduced returns. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.