Is it possible to contribute more than $5,000 a year to the Fonds?

Yes. You may contribute more than $5,000 per calendar year.

However, keep in mind that the 30 percent1 in tax credits available through the Fonds applies only to the first $5,000 of your annual contribution.

If your contribution room allows and you wish to contribute more than $5,000 to your RRSP for the current year, you could invest the first $5,000 in your RRSP+ with the Fonds to benefit from the 30 percent in tax savings,1 and then invest the rest in an RRSP with FlexiFonds2.

You should also know that the Fonds is limiting contributions until the end of the current fiscal year to maintain a balanced business model.

This measure does not affect FTQ savers who make contributions by payroll deduction, who already contribute via automatic bank withdrawal, or who would like to purchase FlexiFonds mutual fund units. Given that share issuance is limited, lump-sum contributions, new contribution subscriptions by automatic bank withdrawals, and increases to contribution amounts are not permitted.

To stop all contributions by payroll deduction or automatic bank withdrawal, savers have two options:

Where can I find my RRSP contribution room?

You will find this information in your Notice of assessment issued by the Canada Revenue Agency.

Give us a call, and let's talk about your plan!

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    Fonds de solidarité FTQ

    The acquisition 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 purchase of shares of the Fonds de solidarité FTQ. On March 1, 2024, The Government of Québec announced in Information Bulletin 2024-3 that tax legislation would be amended to postpone by three years the rule providing that the tax credit would be available only to individuals whose taxable income for a given taxation year was below the highest tax rate. Please note that this postponement may be subject to legislative changes.

    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 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.

    All the information and data provided on this website are for information purposes only; they are not intended to provide advice or recommendations of a financial, legal, accounting or tax nature with respect to investments. Although they are deemed reliable, no representation or warranty, express or implied, is made as to the accuracy, quality or completeness of this information and data. The opinions expressed should not be construed as a solicitation or offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your advisor.

    Access and site availability
    The website is the property of Fonds de solidarité FTQ. By using the website, you agree to the following terms of use. You acknowledge and agree that the Fonds de solidarité FTQ may restrict, suspend or revoke your access to or use of all or part of the site, including links to third party sites, at any time, with or without cause, in its absolute discretion, without notice or liability. The Fonds de solidarité FTQ does not guarantee that this site will be available and meet your requirements or that access to this site will be uninterrupted. Availability downtime may occur at any time, without notice, including downtime required for maintenance or technical reasons.