Should you choose an RRSP or a TFSA?

The higher your tax rate is, the more it's to your advantage to contribute to your RRSP. However, if you plan on withdrawing amounts in the short term, consider contributing to your TFSA.

An RRSP is a good option if you want to grow an asset sheltered from tax while benefiting from tax savings when you contribute.

You could then choose to invest in RRSP+ with the Fonds or RRSP with FlexiFonds.

To meet shorter-term life goals, such as buying a car or taking a trip, the TFSA is typically an appropriate savings vehicle.

To invest in a TFSA, discover the TFSA with FlexiFonds.

Do you have more questions?

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

  • Fonds de solidarité FTQ

    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 FlexiFonds are distributed solely in Québec by FlexiFonds de solidarité FTQ Inc., a mutual fund dealer wholly owned by the Fonds de solidarité FTQ. Please consult your advisor and read the prospectus and Fonds overview before making an investment. The Fonds' securities are not insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, or by the Autorité des marchés financiers. The mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.