Why choose non-RRSP+ shares?
The Fonds' non-RRSP+ shares are non-registered savings products. They have three main advantages for savers.
An additional 30% in tax savings
Maximize your savings beyond your RRSP contribution room
Reduce your tax impact at the time of withdrawal
Automatic bank withdrawals
With this savings method, you can contribute to your savings goals without even having to think about it! Simply choose how much and how often you wish to contribute. The amount will be withdrawn directly from your bank account.Discover the benefits of automatic bank withdrawals
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 deductions
Contribution 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 non-RRSP+ share purchases. The suspension does not affect payroll deductions, existing preauthorized withdrawal agreements, or repayments that are required under the HBP or LLP.
Saving with the Fonds: A choice that's good for you and benefits us all
The Fonds has a special relationship with Québec savers because it invests first and foremost in the local economy. Here's why saving with the Fonds adds value to your money.
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.
Monday to Friday, 8:30 a.m. to 5 p.m.
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 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.1
The acquisition of 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 purchase of shares of the Fonds de solidarité FTQ.2
Capital gains tax inclusion rate for 2022. This rate may change in the future.3
As at November 30, 2022