How can I contribute to an RRSP+ at the Fonds?

Only new contributions via payroll deductions are currently accepted in order to respect the equilibrium of the Fonds' business model

Over the past few years, the RRSP+ has really grown in popularity. The Fonds expects to meet its annual cash flow targets solely from payroll source deductions and contributions made by savers who are already signed up for automatic savings.

What's your situation?

You contribute to the RRSP+ through employer payroll deductions

There is no effect on your saving habits with the Fonds.

You are already registered for automatic bank withdrawals

This does not affect preauthorized withdrawals that are already active for your account. However, it is not currently possible to increase your contribution amount. Please also keep in mind that if you cancel your preauthorized withdrawal agreements at any point during the year, you won't be able to reinstate them.

You are repaying an amount you withdrew as part of the HBP or LLP through the Fonds de solidarité FTQ

Lump-sum contributions and automatic bank withdrawals continue to be accepted in order to reimburse amounts you withdrew from the Fonds as part of the Home Buyers' Plan (HBP) or Lifelong Learning Plan (LLP).

Are payroll deductions not an option for you?

We are well aware that this is the case for many of our savers. Rest assured that the savings you've already accumulated will continue to grow in your RRSP+ to help you reach your retirement goals.

If you want to keep investing your savings in the local economy, 30% of FlexiFonds mutual funds are made up of Fonds shares. That said, please note that the labour-sponsored fund tax credit does not apply to FlexiFonds funds.

Learn more about the RRSP with FlexiFonds

Do you have more questions?

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

  • 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.

    FlexiFonds de solidarité FTQ Inc.
    The units of the FlexiFonds funds are distributed solely in Québec by FlexiFonds de solidarité FTQ inc., a mutual fund dealer wholly owned by the Fonds de solidarité FTQ. FlexiFonds de solidarité FTQ inc. does not distribute the units of any other mutual funds. Management fees and other expenses may be associated with mutual fund investments. Please consult your advisor and read the prospectus and the fund facts documents before making an investment. The units of the FlexiFonds funds are not covered by the Canada Deposit Insurance Corporation nor any other government deposit insurer. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.