The Fonds' random selection

Stay tuned! Registration for the Fonds' random selection will begin on October 6, 2025.

Our goal: to help workers who want to save for retirement

As part of the random selection process, the Fonds has set aside at least $75 million to help more people save for retirement while benefiting from an additional 30% in tax credits.[1] Those selected will be able to contribute up to $5,000 to the RRSP+ via subscription to Fonds shares through bank withdrawals.

Save an additional 30%

Subscribing to Fonds shares as part of the random selection process 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.

For a $5,000 investment

Regular RRSP

RRSP Deduction: $1325; Actual Cost: $3675

RRSP+ with the Fonds

RRSP Deduction: $1325; 30% Tax Savings: $1500; Actual Cost: $2175

Who can register?

All residents of Quebec over 18 years old.

See all conditions

Good to know

Are you already contributing to your RRSP+ by subscribing to Fonds shares through automatic bank withdrawals?

If your current bank withdrawals total less than $5,000 in a single tax year, register for the random selection. If your name is selected, do not modify your current bank withdrawals. To take full advantage of the 30% tax credits,[1] you can add one or more new withdrawals to those already in place, allowing you to contribute up to $5,000 per year.

Do you have access to payroll deductions at work?

You don't need to register for the random selection, since you can now start or increase your payroll deductions directly in your online account. Contribute up to $5,000 per year to take full advantage of the 30% tax credits.[1]

Tell your loved ones about the random selection if they don't have access to payroll deduction. You'll be helping them save for retirement—just like you're doing.

The steps of the random selection

1

Registration

Starting October 6, 2025[3]

Log in to your online account to register for the random selection. If you do not have an account, you'll be able to create one before registering.

2

Selection

Starting November 3, 2025[3]

Registered individuals will be randomly selected starting November 3, 2025, until the total amount of share subscriptions via bank withdrawal reaches the specified amount of at least $75 million during this random selection.[3] Those selected will receive an email with instructions and a unique code valid for seven days. Don't forget to check your junk mail.

3

Share subscription

From the moment you program your bank withdrawals to May 31, 2026

After receiving their unique code, the selected individuals will have up to seven days to plan their bank withdrawals. They may subscribe to up to $5,000 in Fonds shares. These shares may be transferred to an RRSP+, a spousal RRSP+, or a non-RRSP+ account with the Fonds, or divided between these three options.

If you don't already have an RRSP+ account with the Fonds, you can open one online. However, to open a new non-RRSP+ or spousal RRSP+ account, you will need to call Saving Services. An agent will be happy to guide you through the process.

Those selected will have two bank withdrawal options:

  • One-time withdrawal of a lump-sum payment of up to $5,000
  • Automatic withdrawals to spread payments over a longer period, such as once every week, two weeks, or month, between now and May 31, 2026

As part of the random selection process, your contributions could be made between November 3, 2025, and May 31, 2026. Depending on when they are made, they will be applied to the 2025 or 2026 tax year.

Better understand tax years

Most frequently asked questions

Random Selection
What is the Fonds' random selection?
To help workers who wish to save for retirement but who do not have access to payroll deductions, the Fonds has negotiated with the Québec government for an additional amount of at least $75 million for new share subscriptions via bank withdrawal.
More Details : What is the Fonds' random selection?
Random Selection
Who is eligible for the random selection?
All Québec residents aged 18 and over, whether or not they are already Fonds savers.
More Details : Who is eligible for the random selection?
Random Selection
Am I eligible for the 30% in tax credits if I contribute to an RRSP+ by subscribing to Fonds shares through the random selection?
The same criteria and conditions apply to all Fonds savers, whether or not they subscribe to shares through the random selection. For example, starting the year in which you turn 65, you are no longer eligible for these tax credits.[1]
More Details : Am I eligible for the 30% in tax credits if I contribute to an RRSP+ by subscribing to Fonds shares through the random selection?
Random Selection
How much can I subscribe through the random selection?
You can subscribe to Fonds shares via bank withdrawals totalling up to $5,000.
More Details : How much can I subscribe through the random selection?
Random Selection
Can I register for the random selection if I already subscribe to Fonds shares or if I did so via a previous random selection?
Yes. You can register whether or not you are an existing Fonds saver and whether or not you participated in a previous random selection.
More Details : Can I register for the random selection if I already subscribe to Fonds shares or if I did so via a previous random selection?
Random Selection
How do I know if I have been selected?
Keep an eye on your inbox! Starting November 3, 2025, if you are selected, you will receive an email with the subject line "You have been selected via the random selection." It will contain a unique code needed to set up your share subscription. Once received, the code will be valid for 7 days.
More Details : How do I know if I have been selected?
SEE ALL QUESTIONS SEE ALL QUESTIONS
  • 1

    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.

    2

    Example for the 2025 taxation year, using the tax rates in effect as of January 1, 2025, based on a person with a $45,000 taxable annual income with a marginal tax rate of 26.5%. The calculated amounts are estimates that can vary according to your tax situation.

    3

    The Fonds reserves the right to extend or shorten the registration and selection periods. As a result, individuals may register during the selection period. The timing of a person's registration may influence their chances of being selected.

    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.