Savings products and vehicles
Choose a solution that meets your needs and financial goals.
Fonds' shares provide an additional 30% in tax savings[1]
By purchasing shares in the Fonds, you're supporting the local economy.
FlexiFonds mutual funds
Our mutual funds are tailored to different risk profiles, with 70% of assets linked to the Québec economy. With FlexiFonds, you can invest in a TFSA, RRSP, RRIF, LIRA or investment account.
Enjoy your retirement to the fullest with FlexiFonds withdrawal solutions
Our full range of savings solutions
Compare the key features of our savings products and vehicles.
| Main savings objective | Type of savings vehicle | Redemption criteria | Online registration | Contribution method | Local savings | |
|---|---|---|---|---|---|---|
| Fonds' shares providing an additional 30% in tax savings[1] | ||||||
| RRSP+ | Retirement | Registered | Subject to the Fonds' redemption criteria | Yes | Automatic savings | Yes |
| Non-RRSP+ | Maximize your savings beyond the RRSP and TFSA limits | Non-registered | Subject to the Fonds' redemption criteria | No | Automatic savings | Yes |
| FlexiFonds mutual funds | ||||||
| TFSA with FlexiFonds products | Retirement or saving for a project | Registered | No conditions | Yes | One-time or automatic bank withdrawals | Yes |
| RRSP with Flexifonds products | Retirement | Registered | No conditions | Yes | One-time or automatic bank withdrawals | Yes |
| LIRA with Flexifonds products | Retirement | Registered | Locked in until retirement, except in certain cases | No | Transfers only | Yes |
| Investment Account with FlexiFonds products |
Maximize your savings beyond the RRSP and TFSA limits | Non-registered | No conditions | No | One-time or automatic bank withdrawals | Yes |
| RRIF with Flexifonds products | Retirement income | Registered | No conditions | Yes | Transfers and withdrawals only | Yes |
| LIF with Flexifonds products | Retirement income | Registered | No conditions | No | Transfers and withdrawals only | Yes |
Subject to the Fonds' redemption criteria
The Fonds can redeem your shares under the circumstances outlined in Schedules 1 and 2 of the Prospectus.
See all redemption criteria
Fonds' shares
Class "A" shares in the Fonds de solidarité FTQ allow you to benefit from 30%[1] in tax credits for labour-sponsored funds.
Registered and non-registered
Registered savings vehicles let you enjoy certain tax advantages, but limit the total amount you can contribute and how old you can be to contribute to or hold such a vehicle. On the other hand, non-registered savings vehicles have no age restrictions or contribution limits, but don’t provide any tax benefits.
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You can enroll for many of our saving solutions online.
START SAVINGThe 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. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.
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.
