The RRSP with FlexiFonds products

Keep your savings local.

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Save up to $200 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 a registered retirement savings plan (RRSP)?

Investing in an RRSP allows you to deduct the amount of your contribution from your income and defer the tax payable until later, when you make withdrawals from your RRSP.

A savings vehicle useful to:

The benefits of the RRSP with FlexiFonds products:

  • A tax deduction specific to RRSPs.
  • A flexibility regarding withdrawals.
  • A choice of three products tailored to various risk profiles and your savings plans.
  • An investment in the local economy.

Contribute until March 1.

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The RRSP with FlexiFonds products is also available as a spousal RRSP, so you can increase your savings as a couple and reduce your tax burden.

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

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

Flexible products for life's big events

RRSPs offer significant tax advantages for buying a home, preparing for retirement, or going back to school. Combined with mutual funds, the RRSP with FlexiFonds products can help you reach your savings goals. You can choose among three products tailored to different investor profiles, with no enrolment, transaction, or redemption fees.

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

Should you invest in an RRSP+ or the RRSP with FlexiFonds products?

Here are the main features that differentiate these complementary savings products.

Main savings objective 30% tax credits specific to the Fonds Redemption criteria Online enrollment Product
RRSP+ Retirement Yes* Subject to the Fonds' redemption criteria Yes Fonds shares
RRSP with FlexiFonds products Retirement No No restrictions Yes Mutual fund units
Spousal RRSP with FlexiFonds products Retirement No No restrictions No Mutual fund units

Notes

* The subscription 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 subscription of shares of the Fonds de solidarité FTQ.

Calculate the future value of my RRSP

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Indexing your contributions allows you to factor inflation into your plan by increasing contributions proportionately so that their value remains stable. For example, if you want to contribute $1,000 per year, with an indexation of 2.1%, you'll have to contribute $1,000 in year one, $1,021 in year two, and so on. Without indexing, your $1,000 contribution will lose value over time.

In years, your savings could reach .

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Open an account

Make sure you have enough RRSP contribution room available to respect the stated contribution amount. You can find this information by logging into My Account on the CRA website or calling the CRA's Tax Information Phone Service (TIPS): 1-800-267-6999.

    • The rate of return is solely used to illustrate the effects of the compound growth rate; it's not meant to reflect the future value of FlexiFonds shares.
    • We assume that your investment will yield interest calculated on an annual basis.
    • The base percentage displayed is the average annual return for a balanced profile according to the Institut québécois de planification financière (IQPF). This makes it possible to assess how much your investments are likely to grow.
    • Contributions are indexed to the rate of inflation. The inflation rate used is based on the most recent rate provided by the IQPF, which is 2.1%.

Can't decide between an RRSP and a TFSA?

We've prepared a breakdown of the advantages associated with each option, so that you can make an informed choice based on your needs and situation. We also explain how these two savings vehicles complement each other.

Compare RRSPs and TFSAsCompare RRSPs and TFSAs
RRSP or TFSA

Our FlexiFonds mutual fund advisors have an objective approach

FlexiFonds mutual fund advisors are available to answer your questions and to help you reach your savings goals. They put their skills and expertise to work for you, without pressure tactics or commissions, so that you can save for the projects you care about.

Get to know our advisorsGet to know our advisors

Most frequently asked questions

FlexiFonds
Why did the Fonds create the FlexiFonds offering?
The Fonds created the FlexiFonds offering to meet other savings needs while further supporting our economy. Only an entity registered as a mutual fund dealer with the AMF, such as  FlexiFonds de solidarité FTQ inc., can distribute this offering of savings products.
More Details : Why did the Fonds create the FlexiFonds offering?
FlexiFonds
What is a mutual fund?
A mutual fund is a pool of money collected from investors. Managed by a fund manager, the allocation of the invested amounts is determined based on the fund's objectives.
More Details : What is a mutual fund?
FlexiFonds
What are the withdrawal conditions for units registered in a RRSP with FlexiFonds products?
There are no withdrawal conditions for FlexiFonds products. You should note, however, that withdrawing amounts from an RRSP gives rise to tax withholdings.
More Details : What are the withdrawal conditions for units registered in a RRSP with FlexiFonds products?

Give us a call, and let's talk about your plan!

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 $200, 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 $200 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 an offer for the subscription or sale of shares of the Fonds de solidarité FTQ or the units referred to herein and should not be viewed as a recommendation. We recommend you consult your legal 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.