Our savings solutions

Because we are all entitled to a decent retirement.

At the Fonds, we allow you to save for retirement while creating value for yourself and for society, as all our saving products support local businesses and the provinces economy. Because we find it important to invest in ourselves. To do so, we offer different retirement savings products that will help you get there, depending on your financial situation and your savings objectives.

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RRSP+
Non-registered Fonds shares
RRSP with FlexiFonds products
TFSA with FlexiFonds products
RRIF with FlexiFonds products
Investment Account with FlexiFonds products
  • Take advantage of the RRSP tax deduction
  • Receive an additional 30%[1] in tax credits, exclusive to labour-sponsored funds
  • Take advantage of a vehicle suitable for retirement savings, for first-time homebuyers (HBP) or to finance your studies (LLP)

How to contribute:

Good news! You could contribute online to the RRSP+ through payroll deduction if your employer offers this benefit. To learn if your employer offers this feature, the simplest way is to check with your company's payroll service.

  • Receive an additional 30%[1] in tax credits, exclusive to labour-sponsored funds
  • Maximize your savings beyond your RRSP and TFSA limits with a non-registered savings vehicle

How to contribute:

Federal law governs the opening of non-registered accounts and requires the account holder to identify themselves in person with the institution.

Good news! You can still open your non RRSP+ account over the phone. You must contact Saving Services to have an agent accompany you through the process.

If your workplace allows you to access a local representative (LR), you can also meet with him and he will help you fill out the required appendix and, as the case may be, other documents.

  • Take advantage of the RRSP tax deduction
  • Save for retirement, your first home, or going back to school

How to contribute:

Good news! You can contribute online to the RRSP with FlexiFonds products through bank withdrawals. By getting your answers to a few questions, we can recommend a mutual fund that suits your risk tolerance and your savings plans.

  • Take advantage of tax-sheltered earnings as soon as you turn 18
  • Save for a project or boost your retirement income

How to contribute:

Good news! You can contribute online to the TFSA with FlexiFonds products through bank withdrawals. By getting your answers to a few questions, we can recommend a mutual fund that suits your risk tolerance and your savings plans.

  • Transfer money from your RRSP+ or your RRSP to unlock retirement income while your savings continue to grow tax-free

How to contribute:

Open your account online, log in to your existing account or contact a FlexiFonds mutual fund advisor. They will be pleased to help you open a RRIF with FlexiFonds.

1-833-383-2121
Monday to Thursday, 9 a.m. to 8 p.m.
Friday, 9 a.m. to 5 p.m.

  • Keep saving, even if you've already reached your maximum RRSP or TFSA contributions with a non-registered savings vehicle

How to contribute:

Contact a FlexiFonds mutual fund advisor. They will be happy to help you open an Investment Account with FlexiFonds products.

1-833-383-2121
Monday to Thursday, 9 a.m. to 8 p.m.
Friday, 9 a.m. to 5 p.m.

Compare our different savings vehicles Compare our different savings vehicles

You can enroll online to our saving solutions

OPEN AN ACCOUNT
  • 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 shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.

    About FlexiFonds de solidarité FTQ
    FlexiFonds de solidarité FTQ inc., a wholly owned subsidiary of the Fonds de solidarité FTQ, is a mutual fund dealer duly registered with the Autorité des marchés financiers. FlexiFonds de solidarité inc. acts as the principal distributor of the FlexiFonds funds and does not distribute the units of any other mutual fund.

    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.