What's an RRSP?

An RRSP (Registered Retirement Savings Plan) is an investment vehicle that lets you save throughout your professional life to compensate for a financial need that may arise during your retirement.

In a sense, the amount you save in an RRSP represents a safety net that will help you meet your financial needs once you're retired. An RRSP makes it possible for the subscriber to defer the tax to be paid until later and deduct the amount they contribute from their eligible taxable income. It also makes it possible to grow the amounts invested as well as any returns sheltered from tax until they are withdrawn.

When you choose the RRSP+ at the Fonds, you benefit from additional tax savings* over and above the usual RRSP tax deduction.

You can also choose to invest in the RRSP with FlexiFonds. This savings vehicle doesn't provide additional tax savings, but it lets you access your money when you need it.


*The tax credits granted to the shareholders of the Fonds are 15% at the federal level and 15% at the provincial level. Tax credits are capped at $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ.

Do you have more questions?

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

  • Please read the prospectus before buying 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 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.