Savings products and vehicles

Choose a solution that meets your needs and financial goals.

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

Enjoy 30% in tax savings[1] when you support local businesses. Hold your shares in an RRSP to benefit from additional tax deductions.

FlexiFonds products

Choose from a range of savings products to invest in a TFSA, RRSP, RRIF or other savings vehicles.

Our full range of solutions

Compare all of our solutions so you can make an informed choice.

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

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

RRSP with Fonds' shares
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)
Learn more about the RRSP
Non-RRSP shares
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
Learn more about non-RRSP shares

FlexiFonds savings solutions

FlexiFonds offers savings products designed for different investment strategies and rooted in Québec's economy. Depending on the product, you can hold your savings in a TFSA, RRSP, RRIF, LIRA 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
Learn more about the TFSA with FlexiFonds
The RRSP with FlexiFonds products
Take advantage of the RRSP tax deduction
Save for retirement, your first home, or going back to school.
Learn more about the RRSP with FlexiFonds
The LIRA with FlexiFonds products
Let the funds from your former employer's pension plan grow tax-deferred until retirement.
Funds in a LIRA are generally locked in until retirement, with some exceptions.
Learn more about the LIRA with FlexiFonds
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.
Learn more about the Investment Account with FlexiFonds

Enjoy your retirement to the fullest with FlexiFonds withdrawal solutions

The RRIF with FlexiFonds products
Transfer money from your RRSP at the Fonds or RRSP from another financial institution to unlock retirement income while your savings continue to grow tax-free.
Learn more about the RRIF with FlexiFonds
An old man talking on the phone
The LIF with FlexiFonds products
Transfer money from your locked-in retirement account (LIRA) to a life income fund (LIF) to unlock retirement income while your savings continue to grow tax-free.
Learn more about the LIF with FlexiFonds

Which FlexiFonds product should you invest in?

Build your savings with the products that match your priorities.

I want flexibility

Three mutual funds tailored to different investor profiles, with flexible withdrawal options and no withdrawal fees.

Explore the mutual funds

I'm looking for peace of mind

A secure investment that protects your savings while helping them grow.

Explore the secure investment

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]
In an 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
In a TFSA Retirement or saving for a project Registered No conditions Yes One-time or automatic bank withdrawals Yes
In an RRSP Retirement Registered No conditions Yes One-time or automatic bank withdrawals Yes
In a LIRA Retirement Registered Locked in until retirement, except in certain cases No Transfers only Yes
In an investment account Maximize your savings beyond the RRSP and TFSA limits Non-registered No conditions No One-time or automatic bank withdrawals Yes
In a RRIF Retirement income Registered No conditions Yes Transfers and withdrawals only Yes
In a LIF Retirement income Registered No conditions No Transfers and withdrawals only Yes
FlexiFonds secure investment
In an RRSP Retirement Registered Redemption at maturity No One-time bank withdrawals or transfers Yes
In a RRIF Retirement income Registered Redemption at maturity No 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.

Overview of the My Game Plan tool; a chart shows the projected growth of savings over time. Overview of the My Game Plan tool; a chart shows the projected growth of savings over time.

My Game Plan

Your numbers. Your goals. Your plan.

Get a complete view of your savings, explore different scenarios, and receive personalized guidance to help you make informed decisions with confidence using our smart tool to plan your finances.

Discover My Game Plan

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You can enroll for many of our saving solutions online.

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Legal Notes
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.

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.

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.

Principal protected notes
Principal protected notes with enhanced return linked to the performance of the Fonds de solidarité FTQ shares are issued by the Fonds de solidarité FTQ and distributed solely in Québec by FlexiFonds de solidarité FTQ inc., a mutual fund dealer wholly owned by the Fonds de solidarité FTQ. National Bank Trust Inc. acts as the administrator and registrar of these notes. Please read the prospectus and pricing supplements before investing. These notes are not covered by the Canada Deposit Insurance Corporation nor any other government deposit insurer. The return component linked to the performance of the Fonds de solidarité FTQ shares fluctuates from one issuance to another, and past performance may not be repeated. This investment may not be suitable for all investors. We recommend that you contact your registered FlexiFonds mutual fund representative.

The rate offered on principal protected notes with enhanced return linked to the performance of the Fonds de solidarité FTQ shares may vary from one issuance to another.

About My Game Plan
My Game Plan is a tool for planning your finances offered by FlexiFonds de solidarité FTQ inc.