RRSP+: Save. And enjoy.
Saving for the future and enjoying today is easy with the Fonds.
Contribute nowGet an additional 30% in tax savings¹
An RRSP+ with the Fonds entitles you to an extra 30% in tax savings¹ in addition to the standard RRSP deduction—a great incentive for working Québecers to choose this product.
Save for your life plans
With the RRSP+, you can save for projects other than retirement, such as buying a house or going back to school.
Support the local economy
The Fonds invests in local companies. When you contribute to the RRSP+ with the Fonds, you help maintain hundreds of thousands of quality jobs² in Québec.
Choosing the RRSP+ means reaching more than 785,000 shareholder-savers[2] who act out of solidarity and contribute to Québec's socioeconomic prosperity.
Share value
$59.11
Annual return
8.0%
Shareholders' annual compound
returns as at May 31, 2024
8.0% 1 year |
3.6% 3 years |
6.1% 5 years |
6.9% 10 years |
Calculate your tax savings
Taxable income in 2024
I would like to contribute:
Tax savings: $1,412.50
tax return with a traditional RRSP
tax return with the Fonds' RRSP+
Thanks to the benefits of contributing to the Fonds, your investment
will only cost you $1,087.50
for an annual savings of $2,500
Notes
Calculated amounts are estimates which may vary depending on your tax situation. Note that the income tax brackets and tax rates used are established according to the current fiscal rules as of January 1, 2024.
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.
Buy your first home
The RRSP+ and the HBP make it easier to finance the purchase of your first home.
Go back to school
Update your skills or get a fresh start: with the LLP, you can go back to school for less.
Plan your retirement
Retiring with peace of mind requires careful planning. Save with the RRSP+ and build the retirement that's right for you.
A flexible RRSP in case of bumps in the road
An RRSP+ with the Fonds will also help you meet any challenges life throws your way.³