In the case of separation or divorce, can I withdraw money from of my RRSP+?

Yes. Your RRSP+ could help you compensate for a loss of family income following separation or divorce.

In addition to the loss of income, separations often result in unexpected and unforeseen costs and expenses. In such a case, you could redeem your RRSP+ if you meet the eligibility requirements.

* See other situations of income decrease that could allow the withdrawal of your RRSP+.


The shareholder must show that they are in a position of decreasing income caused by the dissolution of a union which occurred less than a year ago


must show a decrease of at least 30% in the shareholder’s family income for a minimum period of two consecutive months


must have liquidated all redeemable investments (including any other RRSP), the purchase of the shares being the last resort.

Documents required:

The Fonds de solidarité FTQ form


proof of the dissolution of a union which has occurred less than a year ago

  • confirmation of the dissolution of the union by a notary, a lawyer or a mediator
  • proof of the change in marital status with the Canada Revenue Agency
  • divorce judgment
  • agreement on corollary relief

record of all gross family income for a full month prior to the decrease in income


recent record of all gross family income during the period of decrease in income for two full consecutive months


proof of absence of income for two full consecutive months, as applicable


proof that redeemable investments have been liquidated or cannot be redeemed.

Eligible shares:

All shares held. Shares purchased after the dissolution of the union cannot be redeemed under this criterion.

Subsequent share acquisition:

One year after purchase by the Fonds de solidarité FTQ.

Disbursement terms and conditions:

A maximum of two disbursements paid out at the latest during the year following the dissolution of the union, up to a maximum net amount of $15,000 for a single dissolution of union.

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, 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.