What does it means to buy non-RRSP+ shares?

It means you can buy shares that aren't registered in an RRSP+.

When you buy Fonds de solidarité FTQ shares that aren't registered in an RRSP+, you:

get 30% in tax savings.^[1]
benefit from the same return as if you'd contributed to the RRSP+.
are only taxed 50% on capital gains.^[2]

Do you have more questions?

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

1-800-567-3663

¹

The subscription of 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 of shares of the Fonds de solidarité FTQ.

²

Capital gains tax inclusion rate for 2024. This rate may change in the future.