An additional 30% in tax savings
The Fonds' non-RRSP+ shares allow you to take advantage of an additional 30% in tax savings reserved for labour-sponsored funds.¹
Maximize your savings beyond your RRSP contribution room
Supplement your retirement savings without being held back by RRSP contribution limits.
Reduce your tax impact at the time of withdrawal
With non-registered investments, you only pay tax on 50% of the capital gain² at the time of redemption.
Share Value and Return
Share value
$67.98
Six-month return
5.4%
Shareholders' annual compound
returns as at November 30, 2025
| 6.7% 1 year |
8.4% 3 years |
6.7% 5 years |
7.3% 10 years |
Take advantage of payroll deductions
If your employer offers payroll deductions, you can automatically contribute with every paycheque and immediately benefit from your additional tax savings.
Discover the benefits of payroll deductionsContribution methods: In order to maintain a balanced business model, certain contribution methods will remain suspended beyond June 1, 2022. Therefore, lump sum contributions and automatic bank withdrawals will not be accepted for RRSP+ share purchases. The suspension does not affect payroll deductions, existing preauthorized withdrawal agreements, or repayments that are required under the HBP or LLP.
We support hundreds of local businesses
Since its inception, the Fonds has invested more than $12 billion3 in Québec companies. By choosing to invest with the Fonds, you'll support Québec's economic development and help maintain and create hundreds of thousands of jobs.
We're helping to build a greener economy
Like you, the Fonds is thinking about the future. More specifically, we're committed to supporting businesses that prioritize sustainability and have a positive impact on all of our communities.
Investing in RRSP+ or non-RRSP+ shares
The Fonds' non-RRSP+ shares allow you to take advantage of tax credits specific to the Fonds and save beyond your RRSP deduction limit. To find out your annual contribution limit, view your file with the Canada Revenue Agency.
| Main savings objective | 30% tax credits specific to the Fonds1 | Redemption criteria | Tax-deductible contribution | Tax treatment upon withdrawal | Annual contribution limit | |
|---|---|---|---|---|---|---|
| Non-RRSP+ shares with the Fonds | Supplementing your retirement savings | Yes, for the first $5,000 of your annual contribution | No | Capital gain | No | |
| Retirement planning | Yes, for the first $5,000 of your annual contribution | Yes | Additional income | RRSP contribution room |
Most frequently asked questions
Want to open a non-RRSP+ account?
Contact one of our Saving Services agents.
1-800-567-3663 Contribute now
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 indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account income taxes payable by any security holder that would have reduced returns. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
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.
Capital gains tax inclusion rate for 2026. This rate may change in the future.
