What is the Fonds' random selection?

To help workers who wish to save for retirement but who do not have access to payroll deductions, the Fonds has negotiated with the Québec government for an additional amount of at least $75 million for new share subscriptions via bank withdrawal.

Thanks to the random selection, more Québecers will be able to save for retirement while benefiting from an additional 30% in tax credits specific to labour-sponsored funds[1].

There are three key phases to the random selection: registration, selection, and share subscription.

1. Registration

For a chance to subscribe to shares through the random selection, you must first complete and submit the registration form, available starting October 6, 2025[2].

To fill out the form, log in to My Online Account. If you do not have an account, you'll be able to create one before registering.

2. Selection

Starting November 3, 2025, a random selection will be held from among all eligible and confirmed registrants.

The Fonds will email the selected individuals a unique code, valid for 7 days only, allowing them to subscribe to Fonds shares up to a maximum amount of $5,000. The codes will be sent over a period of a few days to a few weeks.

3. Share subscription

If you are selected, you may subscribe to up to $5,000 in Fonds shares. These shares may be transferred to an RRSP+, a spousal RRSP+, or a non-RRSP+ account with the Fonds, or divided between these three options.

Bank withdrawals to subscribe to shares may be scheduled until May 31, 2026, based on your preferences.

  • One-time withdrawal: For example, making a lump-sum payment of $5,000
  • Automatic bank withdrawals: Scheduling weekly, bi-weekly, or monthly withdrawals

Read the random selection conditions Read the random selection conditions

Planning to contribute to an RRSP+?

Depending on when you make your contributions, they will be applied to either the 2025 or 2026 tax year.

Better understand the tax years Better understand the tax years
  • 1

    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.

    2

    The Fonds reserves the right to extend or shorten the registration and selection periods. As a result, individuals may register during the selection period. The timing of a person's registration may influence their chances of being selected.

    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.