I'm 65, but I'm not yet retired. Can I redeem my RRSP+?

Yes. As soon as you reach 65 years of age, whether you are retired or not, you can redeem your RRSP+.

Please note that if you are not yet 71 years of age (the age limit for contributing to an RRSP according to the Income Tax Act), you are not required to redeem or transfer your RRSP+ with the Fonds to another savings vehicle. You can maintain it with the Fonds and withdraw it as needed at a later date.

No age limit exists for non-RRSP shares. You can therefore continue to contribute while doing your part to help drive the local economy. However, no tax credits are issued after you turn 65.


The shareholder must have reached 65 years of age.

Document required:

Completed Fonds de solidarité FTQ "Shareholder’s Solemn Declaration" form stating that the shareholder is 65 years of age or older.

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.