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

The main contribution method is payroll deduction. During certain periods, you can also contribute through bank withdrawals.

The Fonds generally expects to meet its annual cash flow targets from payroll source deductions and contributions made by savers who are already signed up for automatic bank withdrawals.

That said, to make saving more accessible to a wider audience, an additional share offering may be issued for a limited time. During that period, it is possible to subscribe to shares through bank withdrawals.

What's your situation?

You contribute to the RRSP+ through employer payroll deductions

You can view and change the amount deducted from your pay at any time in your online account.

You are already registered for automatic bank withdrawals

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 will need to wait for a lump-sum contribution period before setting up new bank withdrawals.

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).

Don't have access to payroll deduction?

You may be able to save with the Fonds through bank withdrawals during a lump-sum contribution period. The dates for this period are typically announced each year around June 1.

FlexiFonds: available at all times

If you're looking for another way to invest your savings in the local economy, FlexiFonds mutual funds may be an interesting option, as they include 30% Fonds shares. However, note that the labour-sponsored fund tax credit does not apply to FlexiFonds funds.

Learn more about the RRSP with FlexiFonds
Legal Notes

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 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.