Savings products and vehicles
Choose a solution that meets your needs and financial goals.
Fonds' shares provide an additional 30% in tax savings[1]
By purchasing shares in the Fonds, you're supporting the local economy.
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, LIRA or investment account.
Enjoy your retirement to the fullest with FlexiFonds withdrawal solutions
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 | ||||||
TFSA with FlexiFonds products | Retirement or saving for a project | Registered | No conditions | Yes | One-time or automatic bank withdrawals | Yes |
RRSP with Flexifonds products | Retirement | Registered | No conditions | Yes | One-time or automatic bank withdrawals | Yes |
LIRA with Flexifonds products | Retirement | Registered | Locked in until retirement, except in certain cases | No | Transfers only | Yes |
Investment Account with FlexiFonds products |
Maximize your savings beyond the RRSP and TFSA limits | Non-registered | No conditions | No | One-time or automatic bank withdrawals | Yes |
RRIF with Flexifonds products | Retirement income | Registered | No conditions | Yes | Transfers and withdrawals only | 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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