Investment Account with FlexiFonds

Save while supporting local businesses.

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Save up to $150 on FlexiFonds transfer fees[1]

Transfer your RRSP, TFSA, or RRIF from another financial institution to a FlexiFonds product to take advantage of this promotion.[1] We'll even take care of the paperwork for you!

See the promotion

Why invest in an Investment Account with FlexiFonds?

By investing in an Investment Account with FlexiFonds, you can save for a project or retirement even if you've reached your annual RRSP or TFSA contribution limit. As a non-registered savings plan, an Investment Account with FlexiFonds is not subject to the annual contribution limits imposed on registered plans.

Use this savings vehicle for the following:

The advantages of choosing an Investment Account with FlexiFonds products:

  • Opportunity to increase savings beyond RRSP and TFSA limits.
  • Choice of 3 products tailored to various risk profiles and your savings strategies.
  • Flexible withdrawal options.
  • Investment in the local economy.

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Your Investment Account with FlexiFonds and taxes

Non-registered products such as your Investment Account with FlexiFonds are not subject to the same tax treatment as a TFSA or RRSP account.

Each year

You can receive distributions, such as interest, capital gains, or dividends. These distributions are taxed according to the year they are disbursed.

Upon withdrawal

Redeeming FlexiFonds units may incur a capital gain or loss. Typically, half of your capital gain or loss becomes taxable or deductible, depending on the circumstances.

70% of FlexiFonds mutual fund assets are related to the local economy

Investing with FlexiFonds is a great way to keep your savings local.

Flexible products for unlimited savings

There are two benefits to choosing an Investment Account with FlexiFonds: the freedom to invest more than the annual contribution limit imposed by RRSPs and TFSAs and the flexibility of accessing your money whenever you want with no redemption requirements. An investment account lets you choose between three mutual funds, each adapted to a different investor profile and primarily composed of Québec stocks and bonds.

FlexiFonds Conservative

You prioritize income stability over long-term appreciation of your savings?

Discover Conservative Fund

FlexiFonds Balanced

Looking for balance between income and savings growth?

Discover Balanced Fund

FlexiFonds Growth

Looking for long-term savings growth and, to a lesser extent, income?

Discover Growth Fund

Investing in a registered or non-registered savings vehicle with FlexiFonds?

Here are the main features of an RRSP, TFSA, and Investment Account with FlexiFonds.

Main savings objective 30% tax credits specific to the Fonds Redemption criteria Tax-deductible contribution Tax treatment for withdrawals Annual contribution limit
Investment Account with FlexiFonds Increase your savings beyond the RRSP and TFSA limits No No restrictions No Capital gain or loss No
TFSA with FlexiFonds Complete a project No No restrictions No No impact Yes
RRSP with FlexiFonds Plan your retirement No No restrictions Yes Added to your income Yes

Calculate the future value of my investment account

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Projected value of my investment account*

* The rate of return is used only to illustrate the effects of the compound growth rate and is not intended to reflect future unit values or returns on investment in a FlexiFonds fund.

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FlexiFonds mutual fund advisors will help you open your Investment Account

Enrolment in an Investment Account with FlexiFonds is done by telephone with our mutual fund advisors. They can assist you in defining your investor profile and suggest the most suitable product. Take advantage of their expertise and zero-pressure guidance to optimize your savings strategy.

1-833-383-2121
Monday to Thursday, from 9 a.m. to 8 p.m., and Fridays from 9 a.m. to 5 p.m.

Most frequently asked questions

FlexiFonds
Can I transfer my savings to FlexiFonds from another financial institution?
Yes. You can transfer a TFSA or RRSP to FlexiFonds by phone or directly online. To transfer a RRIF, you will need to call us.
More Details : Can I transfer my savings to FlexiFonds from another financial institution?
FlexiFonds
What are the withdrawal conditions for the FlexiFonds investment account?
There are no withdrawal conditions for FlexiFonds products. You should note, however, that any profits realized from withdrawing amounts from your account could be treated as capital gains.
More Details : What are the withdrawal conditions for the FlexiFonds investment account?
FlexiFonds
What is the maximum TFSA contribution amount?
The maximum amount that you can invest in a TFSA each tax year is provided by the Canada Revenue Agency.
More Details : What is the maximum TFSA contribution amount?

Ready to open an Investment Account with FlexiFonds?

1-833-383-2121

These articles may be of interest to you

  • 1

    By participating in the Transfer Fee Refund Promotional Offer (the "Offer"), and subject to applicable laws and the current prospectus, you (the "Client") acknowledge that you have read, understand, and agree to be bound by the following terms and conditions.

    In accordance with the terms of the offer, an amount equivalent to the transfer fees incurred, up to a maximum of $150, will be reimbursed to any client who transfers and invests all or part of a registered investment account such as an RRSP, TFSA, or RRIF with a minimum value of $5,000 (the "Eligible Account") from another financial institution to FlexiFonds de solidarité FTQ inc. ("FlexiFonds").

    This Offer is valid for all existing or new FlexiFonds Clients who have an active account with FlexiFonds. To be eligible for this refund, the Client must submit a transfer request from an Eligible Account between 8:00 a.m. ET on February 2, 2023, and 11:59 p.m. ET on May 31, 2023 (the "Eligibility Period").

    This offer is intended for any current client or any new client of FlexiFonds who has an active account with FlexiFonds. The Fonds de solidarité FTQ may end this promotional offer without notice.

    The reimbursement of transfer fees shall be equal to the lesser of: (i) the actual transfer fee for an Eligible Account; or (ii) a maximum amount of $150 per Eligible Account, whichever is less. There is no limit to the number of Eligible Accounts a Client can transfer during the Eligibility Period. Partial transfers from the same Eligible Account are eligible for a single reimbursement only. 

    All transfer fee refunds shall be made by issuing an equivalent amount of FlexiFonds shares, directly credited to a FlexiFonds account in accordance with the same investment instructions applicable to the proceeds of the Eligible Account being transferred. Any request to redeem or switch FlexiFonds units received within 90 days of the end of the transfer process shall result in the Offer being rendered null and void, and the Client will be required to repay all transfer fees refunded by FlexiFonds.

    Transfer fees will be refunded in Canadian dollars after the transfer process is complete. The refunded amount shall not count as an RRSP, TFSA, or RRIF contribution, and no tax receipt will be issued. FlexiFonds mutual fund investments are not eligible for the Labour-sponsored funds tax credit. Transfer fee refunds may have tax implications. For more information, we recommend that the Client consult with their advisor.

    Under this Offer, only the transfer fees shall be refunded. No refunds will be made for transferring an Eligible Account that is exempt from transfer fees. The Client is responsible for all redemption fees, liquidation fees, commissions, and any other fees associated with transferring the account.

    Transfer requests that do not meet the eligibility requirements stated in the prospectus shall be denied. Fonds de solidarité FTQ and FlexiFonds reserve the right to suspend, cancel, or modify the terms and conditions of the offer at any time and without prior notice, and reject all liability for any loss, damage, or other harm that may result from taking part in the offer and transferring an Eligible Account.

    FlexiFonds reserves the right to suspend, cancel, or modify the terms of this Offer at any time without prior notice. FlexiFonds may also refuse transfer requests from Clients who do not meet the eligibility requirements as stated in the prospectus.

    FlexiFonds is not liable for any loss, damage, or harm that may arise from taking part in this Offer and transferring an Eligible Account.

    Information
    All the information and data provided on this website are for information purposes only; they are not intended to provide advice or recommendations of a financial, legal, accounting or tax nature with respect to investments. Although they are deemed reliable, no representation or warranty, express or implied, is made as to the accuracy, quality or completeness of this information and data. The opinions expressed should not be construed as a solicitation or offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your advisor.

    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.

    Trademarks
    FlexiFonds, FlexiFonds Conservative, FlexiFonds Balanced and FlexiFonds Growth and the other trademarks displayed on this site are registered trademarks of the Fonds de solidarité FTQ. Other companies' trademarks are used with permission or under license. All rights reserved. Trademark references on this site should not be construed as an implied authorization to use such trademarks.

    Access and site availability
    The website is the property of Fonds de solidarité FTQ. By using the website, you agree to the following terms of use. You acknowledge and agree that the Fonds de solidarité FTQ may restrict, suspend or revoke your access to or use of all or part of the site, including links to third party sites, at any time, with or without cause, in its absolute discretion, without notice or liability. The Fonds de solidarité FTQ does not guarantee that this site will be available and meet your requirements or that access to this site will be uninterrupted. Availability downtime may occur at any time, without notice, including downtime required for maintenance or technical reasons.