FlexiFonds funds returns

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FlexiFonds mutual funds

 

Annual compound returns (%) as of March 31, 2024¹

  Year to Date 1 year 3 years 5 years 10 years Since Inception
FlexiFonds Conservative 0.67% 3.72% 0.51% ND ND 2.05%
FlexiFonds Balanced 2.00% 6.18% 1.92% ND ND 3.56%
FlexiFonds Growth 3.43% 8.61% 3.51% ND ND 5.46%
1 The management expense ratio (MER) is already deducted from the reported returns.

CONTRIBUTE

Legal notice

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 indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

Investing with FlexiFonds is a great way to keep your savings local!

Seventy percent of the Fonds' assets are related to the local economy, 30% of which are made up of Fonds de solidarité FTQ shares that are directly reinvested in Québec companies.

Products that are unique on the market

The variation in FlexiFonds funds returns can be explained by looking at the four main components of which they are comprised.

Fonds de solidarité FTQ shares

Their value is published about December 23 and June 23 each year.

Québec stocks

Their value changes every day, depending on the markets.

Global equities

Their value changes every day, depending on the markets.

Fixed income securities

Their value changes every day, depending on the markets.

A two-tiered variation

A portion of the FlexiFonds portfolio varies every day: This includes stocks and bonds, which make up 70% of the funds' mix.

The other portion only changes twice a year: The value of Fonds shares, which make up 30% of the funds, is usually only determined twice a year. This is the only time when they might impact the value of fund units.

How does this two-tiered variation affect your savings?

Daily fluctuations of FlexiFonds funds may be less significant than those of other mutual funds, whereas changes in the value of Fonds FTQ shares in June and December will have a greater impact on their value.

Example of the variation of the FlexiFonds units value over time[2]

variation of the FlexiFonds units value
variation of the FlexiFonds units value
Find out how the returns are calculated Find out how the returns are calculated

Because Fonds' shares can yield a positive return while the markets are down and vice versa, it's crucial to analyze the performance of FlexiFonds portfolios over time, i.e., over several years.

CONTRIBUTE

About FlexiFonds de solidarité FTQ

Logo Flexifonds

FlexiFonds de solidarité FTQ inc., a wholly owned subsidiary of the Fonds de solidarité FTQ, is a mutual fund dealer duly registered with the Autorité des marchés financiers. FlexiFonds de solidarité inc. acts as the principal distributor of the FlexiFonds funds and does not distribute the units of any other mutual fund.

Most frequently asked questions

FlexiFonds
Can I transfer my savings to FlexiFonds from another financial institution?
Yes. You can transfer a TFSA or RRSP to FlexiFonds by phone or directly online. To transfer a RRIF, you will need to call us.
More Details : Can I transfer my savings to FlexiFonds from another financial institution?
FlexiFonds
Are the Fonds' savings products guaranteed investments?
Investments are not guaranteed, whether they are investments in the Fonds' shares or in FlexiFonds mutual funds.
More Details : Are the Fonds' savings products guaranteed investments?
FlexiFonds
Do I get the 30% tax credits with the FlexiFonds offering?
The 30% tax credits are only available with the Class A shares of the Fonds. No labour-sponsored fund tax credit is applicable to FlexiFonds. With  FlexiFonds products, you get the tax benefits related to the savings vehicles offered and the opportunity to easily access your savings when you need them.
More Details : Do I get the 30% tax credits with the FlexiFonds offering?
FlexiFonds
Who can buy FlexiFonds mutual fund units?
Whether you're a Fonds saver or not, you can buy FlexiFonds mutual fund units if you are 18 years of age or older and reside in Québec.
More Details : Who can buy FlexiFonds mutual fund units?
FlexiFonds
What is a mutual fund?
A mutual fund is a pool of money collected from investors. Managed by a fund manager, the allocation of the invested amounts is determined based on the fund's objectives.
More Details : What is a mutual fund?
FlexiFonds
Which savings vehicles are available with the FlexiFonds offering?
You can currently invest in an RRSP, TFSA, RRIF and an investment account.
More Details : Which savings vehicles are available with the FlexiFonds offering?

Have questions about FlexiFonds funds?

1 833 383-2121

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    2

    From December 1 to May 31, the market goes up and the value of the underlying FlexiFonds funds securities gradually increases by 4%. The value of the other portion—the Fonds' shares—holds steady. When the value of the Fonds' shares is assessed, they post a 6% return. For illustrative purposes only.

    Information
    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.

    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.

    Trademarks
    FlexiFonds, FlexiFonds Conservative, FlexiFonds Balanced and FlexiFonds Growth and the other trademarks displayed on this site are registered trademarks of the Fonds de solidarité FTQ. Other companies' trademarks are used with permission or under license. All rights reserved. Trademark references on this site should not be construed as an implied authorization to use such trademarks.

    Access and site availability
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