Choose a savings solution that's good for you and for Québec

By choosing FlexiFonds, you can support the local economy and Québec society while working towards your savings goals and honouring your personal values.

TFSA with FlexiFonds
Take advantage of tax-sheltered earnings as soon as you turn 18.
Save for a project or boost your retirement income.
Learn more about the TFSA with FlexiFonds
RRSP with FlexiFonds
Take advantage of the RRSP tax deduction.
Save for retirement, your first home, or going back to school.
Learn more about the RRSP with FlexiFonds
RRIF with FlexiFonds
Transfer money from your RRSP+ to unlock retirement income while your savings continue to grow tax-free.
Learn more about the RRIF with FlexiFonds
Investment Account with FlexiFonds
Keep saving, even if you've already reached your maximum RRSP or TFSA contributions with a non-registered savings vehicle.
Learn more about the Investment Account with FlexiFonds

Why choose FlexiFonds?

Investments with a strong focus on Québec
An online platform that lets you manage everything in one place
Objective and caring advice
More than 35 years of financial experience at your service

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Tip

Take advantage of our automatic
savings feature to save
without thinking!

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 that suit your profile

With FlexiFonds mutual funds, you can choose from three products tailored to various investor profiles and savings goals. In addition to enjoying the flexibility to access your money when you need it, you won't have any enrolment, transaction, or redemption fees to pay.

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?

FlexiFonds' funds returns

 

Annual compound returns (%) as of August 31, 2022¹

  1 year 3 years 5 years 10 years Since Inception
FlexiFonds Conservative -10.09% -0.08% ND ND 0.80%
FlexiFonds Balanced -10.12% 1.18% ND ND 1.97%
FlexiFonds Growth -10.13% 2.95% ND ND 3.63%
The management expense ratio (MER) is already deducted from the reported returns.

Legal notice

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 indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. The FlexiFonds funds are not guaranteed, their values change frequently, and past performance may not be repeated.

Personalized advice and service you can trust​

Our FlexiFonds mutual fund advisors put their expertise and skill at your disposal, with zero pressure and zero commissions. They will be happy to answer your questions and help you choose among our FlexiFonds savings solutions.

Get to know our advisors

Our full range of savings solutions

Compare the key features of our savings products and vehicles.

Main savings objective Redemption criteria Online registration Contribution method Local savings
FlexiFonds mutual funds
FlexiFonds TFSA Retirement or saving for a project No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRSP Retirement No conditions Yes One-time or automatic bank withdrawals Yes
FlexiFonds RRIF Retirement income No conditions No Transfers and withdrawals only Yes
Investment Account
with FlexiFonds
Maximize your savings beyond the RRSP and TFSA limits No conditions No One-time or automatic bank withdrawals Yes

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.

Most frequently asked questions

FlexiFonds
Can I transfer my savings to FlexiFonds from another financial institution?
Yes. You can transfer a TFSA or RRSP to FlexiFonds by phone or directly online. To transfer a RRIF, you will need to call us.
More Details : Can I transfer my savings to FlexiFonds from another financial institution?
FlexiFonds
Are the Fonds' savings products guaranteed investments?
Investments are not guaranteed, whether they are investments in the Fonds' shares or in FlexiFonds mutual funds.
More Details : Are the Fonds' savings products guaranteed investments?
FlexiFonds
What is the role of a mutual fund advisor?
Mutual fund advisors hold the mutual fund dealing representative designation. Their role is to analyze the financial position of savers to offer them mutual funds that are tailored to their needs and their investor profile.
More Details : What is the role of a mutual fund advisor?
FlexiFonds
Do I get the 30% tax credits with the FlexiFonds offering?
The 30% tax credits are only available with the Class A shares of the Fonds. No labour-sponsored fund tax credit is applicable to FlexiFonds. With  FlexiFonds products, you get the tax benefits related to the savings vehicles offered and the opportunity to easily access your savings when you need them.
More Details : Do I get the 30% tax credits with the FlexiFonds offering?
FlexiFonds
Who can buy FlexiFonds mutual fund units?
Whether you're a Fonds saver or not, you can buy FlexiFonds mutual fund units if you are 18 years of age or older and reside in Québec.
More Details : Who can buy FlexiFonds mutual fund units?
FlexiFonds
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?

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.

1-833-383-2121

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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.

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

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