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.

Open an account

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 Balanced

Looking for balance between income and savings growth?

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


* The Fonds de solidarité FTQ's shareholders will receive 15% in tax credits from the Québec government and 15% from the federal government. They are capped at $1,500 per fiscal year, which represents a $5,000 purchase 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%, you'll have to contribute $1,000 in year one, $1,020 in year two, and so on. Without indexing, your $1,000 contribution will lose value over time.

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.

    • 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 advisors

Most frequently asked questions

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?
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?
What are the withdrawal conditions for units registered in an RRSP with FlexiFonds ?
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 an RRSP with FlexiFonds ?

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
    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 offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your advisor.

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    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 FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

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