Find the solution that suits your needs best

Here are all the savings products and vehicles you can purchase to save locally and support the Québec economy.

Fonds' shares provide an additional 30% in tax savings[1]

By purchasing shares in the Fonds, you're supporting the local economy.

RRSP+
Take advantage of the RRSP tax deduction
Receive an additional 30% in tax credits[1], exclusive to labour-sponsored funds
Take advantage of a vehicle suitable for retirement savings and for first-time homebuyers (HBP)
Non-RRSP+
Receive 30% in tax credits[1], exclusive to labour-sponsored funds
Maximize your savings beyond your RRSP and TFSA limits with a non-registered savings vehicle

FlexiFonds mutual funds

Our mutual funds are tailored to different risk profiles, with 70% of assets linked to the Québec economy. With FlexiFonds, you can invest in a TFSA, RRSP, RRIF, or investment account.

The TFSA with FlexiFonds products
Take advantage of tax-sheltered earnings as soon as you turn 18
Save for a project or boost your retirement income
The RRSP with FlexiFonds products
Take advantage of the RRSP tax deduction
Save for retirement, your first home, or going back to school.
The RRIF with FlexiFonds products
Transfer money from your RRSP+ to unlock retirement income while your savings continue to grow tax-free.
The Investment Account with FlexiFonds products
Keep saving, even if you've already reached your maximum RRSP or TFSA contributions with a non-registered savings vehicle.

Our full range of savings solutions

Compare the key features of our savings products and vehicles.

Main savings objective Type of savings vehicle Redemption criteria Online registration Contribution method Local savings
Fonds' shares providing an additional 30% in tax savings[1]
RRSP+ Retirement Registered Subject to the Fonds' redemption criteria Yes Automatic savings Yes
Non-RRSP+ Maximize your savings beyond the RRSP and TFSA limits Non-registered Subject to the Fonds' redemption criteria No Automatic savings Yes
FlexiFonds mutual funds
FlexiFonds TFSA Retirement or saving for a project Registered No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRSP Retirement Registered No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRIF Retirement income Registered No conditions Yes Transfers and withdrawals only Yes
Investment Account
with FlexiFonds
Maximize your savings beyond the RRSP and TFSA limits Non-registered No conditions No One-time or automatic bank withdrawals Yes

Subject to the Fonds' redemption criteria
The Fonds can redeem your shares under the circumstances outlined in Schedules 1 and 2 of the Prospectus.
See all redemption criteria

Fonds' shares
Class "A" shares in the Fonds de solidarité FTQ allow you to benefit from 30%[1] in tax credits for labour-sponsored funds.

Registered and non-registered
Registered savings vehicles let you enjoy certain tax advantages, but limit the total amount you can contribute and how old you can be to contribute to or hold such a vehicle. On the other hand, non-registered savings vehicles have no age restrictions or contribution limits, but don’t provide any tax benefits.

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You can enroll for many of our saving solutions online.

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  • 1

    The acquisition of 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 purchase of shares of the Fonds de solidarité FTQ. Under the 2023-2024 provincial budget, only individuals whose taxable income in Quebec for the 2022 taxation year was less than $112,656 will have access to 30% tax credits for the 2024 taxation year. Please note, however, that this measure has not currently been the subject of a bill or legislative amendment and could therefore be subject to modifications.

    Please read the prospectus before buying Fonds de solidarité FTQ shares. 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.

    About FlexiFonds de solidarité FTQ
    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.

    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.