Savings products and vehicles
Choose a solution that meets your needs and financial goals.
Take advantage of an additional 30% in tax savings with our RRSP+ and non-RRSP+ shares.
Choose among three mutual funds when you invest in a TFSA, RRSP, RRIF, or investment account.
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.
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|
|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||No||Transfers and withdrawals only||Yes|
|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
Class "A" shares in the Fonds de solidarité FTQ allow you to benefit from 30% 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.