Non-registered savings

Invest in non-RRSP+ shares or in an Investment Account with FlexiFonds.

Discover how

Why invest in non-registered savings?

You have contributed the maximum amount you can to an RRSP and/or TFSA.

Registered plans such as RRSPs make it possible to benefit from tax breaks that non-registered savings don't offer. However, if you've reached your RRSP and/or TFSA contribution limit, non-registered products can be an interesting option to save for a project or to supplement your retirement savings.

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Tip

Certain savings strategies, including a non-registered account, can promote a balanced allocation of assets among various tax vehicles.

Our non-registered products

Non-RRSP+ shares
30%* tax credits for investing in a labour fund
Subject to the Fonds' redemption criteria
Local investments in line with the Fonds' mission
Learn more about non-RRSP+ shares
Investment Account with FlexiFonds
Choose between 3 products tailored to various risk profiles and your savings plans
Enjoy the flexibility to withdraw
Contribute to local investments that are in line with the Fonds' mission
Learn more about the Investment Account with FlexiFonds

Notes

* 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. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.

Invest in non-registered Fonds shares or in an Investment Account with FlexiFonds?

These two savings solutions differ in the following key ways:

Main savings objective 30% tax credits specific to the Fonds Redemption criteria Online enrollment Product
Non-RRSP+ shares with the Fonds Contributing over and above the RRSP and TFSA limits Yes* Subject to the Fonds' redemption criteria No Fonds share
Investment Account with FlexiFonds Contributing over and above the RRSP and TFSA limits No No restrictions No Mutual fund

Notes

* 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. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.

Achieve your life plans more easily!

See how much flexibility you enjoy when you invest in an Investment Account with FlexiFonds.

Nom : Martin

Age: 41

Job: Logistics manager

Annual taxable income: $76,000

Goal: Is debating between carrying out projects and preparing for retirement

Financial goal: Wants to invest $10,000 even though his RRSP and TFSA contribution room is used up.

Martin wants to start his own business in two years. Keeping in mind that he may need cash to launch his business, he also wants to make the most of potential market returns to make his savings grow. He knows that he will be able to withdraw his savings without restriction when he's ready to take the plunge.

How to find out your maximum RRSP contribution for the current year

The maximum RRSP contribution is 18% of your previous year's earned income, up to a maximum of $33,810 in 2026, plus any amounts you did not apply in previous years.

Here are three ways to find out your contribution room.

Check your most recent Notice of Assessment.

The Canada Revenue Agency lists this information under "RRSP deduction limit/CPP deduction limit statement" on your income tax return.

Visit the CRA website.

Go to the Electronic Services for Individuals tab under My Account.

Call TIPS (Telephone Electronic Intelligence Service).

Call 1-800-267-6999 to reach TIPS.

What is the maximum TFSA contribution amount for the current year?

The maximum amount you can invest in a TFSA varies from year to year. For 2026, the limit is set at $7,000.

If you do not invest in a TFSA in one year, you can carry forward the contribution amount to the next year. Furthermore, withdrawals from the previous year can be recovered on January 1 of the following year.

If you were 18 or older in 2009, you can contribute a maximum of $109,000 in 2026. Note that this information does not take into account withdrawals made during the current year.

Log in to My Account on the CRA website to view your contribution room.

Most frequently asked questions

Non-registered savings
What does it means to buy non-RRSP+ shares?
It means you can buy shares that aren't registered in an RRSP+.
More Details : What does it means to buy non-RRSP+ shares?
Non-registered savings
Why should I hold non-RRSP+ shares?
Because you have reached your annual RRSP+ contribution limit and want to continue saving for retirement.
More Details : Why should I hold non-RRSP+ shares?
Non-registered savings
Can I open a non-RRSP+ account online?
No. The opening of a non-RRSP+ account is governed by a federal law that requires the holder to disclose his identity with the institution.
More Details : Can I open a non-RRSP+ account online?
FlexiFonds
Can I transfer my savings to FlexiFonds from another financial institution?
Yes. You can transfer a TFSA, an RRSP or a RIFF to a FlexiFonds product by phone or directly online.
More Details : Can I transfer my savings to FlexiFonds from another financial institution?
FlexiFonds
What are the withdrawal conditions for the investment account with FlexiFonds products?
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 investment account with FlexiFonds products?
Discover the Fonds
What can I expect as a return on investment?
The Fonds' share performance depends on the change in the value of its share; therefore, it isn't predetermined. The share is currently valued at $67.98.
More Details : What can I expect as a return on investment?

Call us to discuss your plans!

1-800-567-3663
Legal Notes

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.