RRSP+: Save. And enjoy.

Saving for the future and enjoying today is easy with the Fonds.

Start saving

Choosing the RRSP+ with the Fonds is a win-win decision!

Get 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 795,000 shareholder-savers[2] who act out of solidarity and contribute to Québec's socioeconomic prosperity.

Start saving

Share Value and Return

Share value
$63.71

Six-month return
7.8%

Shareholders' annual compound
returns as at November 30, 2024

14.1%
1 year		 4.5%
3 years		 6.6%
5 years		 7.3%
10 years

Learn more about returns

Calculate your tax savings

Taxable income in 2025

I would like to contribute:

0
$5,000

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

Start saving Calculate my payroll deduction

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, 2025.

Save continuously with automatic savings

Contribute to your RRSP+ anytime online: it's easy, convenient, and secure! Our agents are ready to take your call in case you have questions.

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 RRSP+ share purchases. The suspension does not affect payroll deductions, existing preauthorized withdrawal agreements, or repayments that are required under the HBP or LLP.

Did you know that an RRSP+ can help you achieve your goals?

Whether you're just starting to save or nearing retirement, your Fonds savings are there to support you throughout your life.

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

Most frequently asked questions

RRSP+
What's the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
Only the RRSP+ with the Fonds offers an additional 30% in tax savings. However, its biggest difference lies in its social impact.
More Details : What's the difference between an RRSP+ at the Fonds de solidarité FTQ and other RRSPs?
Redemptions and withdrawals
Can I withdraw money from my RRSP+ before age 65?
You can benefit from the savings in your RRSP+ well before your 65th birthday, but only under certain conditions!
More Details : Can I withdraw money from my RRSP+ before age 65?
Getting Started
Who is eligible to contribute to an RRSP?
Anyone who is 71 years of age or younger on December 31 of the current year and has unused RRSP contribution room can contribute to an RRSP.
More Details : Who is eligible to contribute to an RRSP?

These articles may be of interest to you

  • 1

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

    Please read the prospectus before subscribing for shares of the Fonds de solidarité FTQ. 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.

    2
    As at November 30, 2024.
    3
    Because the Fonds is subject to a share redemption policy, it can redeem your shares only if your situation meets one of the redemption criteria set out in Schedules 1 and 2 of the Prospectus.