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.
FlexiFonds products do not qualify for additional 30% tax credits, but they do provide the tax benefits specific to RRSPs and TFSAs.
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 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 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?
FlexiFonds Growth
Looking for long-term savings growth and, to a lesser extent, income?
Should you invest in an RRSP+ or the RRSP with FlexiFonds?
Here are the main features that differentiate these complementary savings solutions.
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 | Retirement | No | No restrictions | Yes | Mutual fund units |
Spousal RRSP with FlexiFonds | Retirement | No | No restrictions | No | Mutual fund units |
Notes
Calculate the future value of my RRSP
In years, your savings could reach .
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.
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- 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%.
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 TFSAs
FlexiFonds mutual fund advisors are here to help
Our FlexiFonds mutual fund advisors put their expertise and skill at your disposal, with zero pressure and zero commissions. When you choose an RRSP with FlexiFonds, our advisors will work with you to define your investor profile and offer the product that's right for you. It's a great way to optimize your retirement savings and minimize your tax bill.
Get to know our advisorsMost frequently asked questions

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