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.

Open an account

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?

FlexiFonds Balanced

Looking for balance between income and savings growth?

FlexiFonds Growth

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

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 values of the Fonds de solidarité FTQ's share.

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.

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

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?
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?
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?

Call us Monday to Thursday, from 9 a.m. to 8 p.m., and Fridays from 9 a.m. to 5 p.m.


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