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.
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.
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The Fonds de solidarité FTQ's shareholders will receive 15% in tax credits from the Québec government and 15% from the federal government. They are capped at $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ.2
As of May 31, 2022.
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 FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.