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Lump-sum contributions
Lump-sum contributions
Back as of October 5, 2026
Save with bank withdrawals
Good news! Anyone will be able to contribute to the Fonds this fall on a first come, first served basis. Our goal: enable more people to contribute to the RRSP+ by subscribing to Fonds shares and benefit from the 30% tax credits.[1]
Starting October 5, 2026, individuals without access to payroll deduction will be able to subscribe to Fonds shares through bank withdrawals.
Two contribution options will be available:
- corresponding to a single payment
- corresponding to multiple payments spread between October 5, 2026, and May 31, 2027
More details will be shared in the coming months. Stay tuned!
Frequently asked questions
Who will be eligible for lump-sum contributions?
Anyone who is a resident of Quebec and 18 years of age or older.
When will contributions have to be made?
Contributions may be made from October 5, 2026, to May 31, 2027, or until the full lump-sum allocation has been used up.
Which savings vehicles will be eligible for contributions?
It will be possible to invest in all of the Fonds' category A share savings vehicles: RRSP+, non-RRSP+ and spousal RRSP+.
Will registration be required in order to contribute?
No. No prior registration will be required. People will simply have to contribute online during the subscription period, on the Fonds' website.
Will lump-sum contributions be eligible for tax credits?
Eligible contributions may qualify for tax credits[1], according to the applicable tax rules.
Save an additional 30%
Subscribing to Fonds shares as part of the lump-sum contributions could make you eligible for an extra 30% in tax savings.[1]
That means that on a $5,000 investment, $1,500 would go right back in your pocket, on top of the standard RRSP deduction.
The subscription for 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 subscription for shares of the Fonds de solidarité FTQ. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.
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 shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
