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
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