FlexiFonds Conservative Fund
You prioritize income stability over long-term appreciation of your savings?
Contribute nowFonds de solidarité FTQ
30%
Fixed-income securities
55%
Québec shares
5%
Global equities
10%
Fonds de solidarité FTQ
This fund invests in Class "C" shares of the Fonds de solidarité FTQ, which primarily reinvests in Québec companies.
Fixed income securities
This fund invests in government bonds issued in part by the Québec government, which help stimulate the economy in addition to providing a stable income.
Québec stocks
This fund invests in publicly traded Québec companies that are part of the IQ-30 index established by the Institut de recherche en économie contemporaine (IRÉC) to encourage businesses across various sectors of the local economy.
Global equities
This fund invests in securities of companies located in developed countries to allow you to diversify your assets.
You want to receive income or have a medium-term plan, such as travelling or renovating.
You have a low risk tolerance and prefer to limit fluctuations in your savings.
Geographic allocation
Asset class allocation
| % of Net Asset Value | |
|---|---|
| Fonds de solidarite FTQ, Class C Shares | 29.9 |
| % of Net Asset Value | |
|---|---|
| Province of Québec, 1.90%, 2030-09-01 | 5.3 |
| Province of Québec, 2.30%, 2029-09-01 | 4.2 |
| Province of Québec, 4.45%, 2034-09-01 | 4.1 |
| Province of Québec, 3.25%, 2032-09-01 | 4.0 |
| Province of Québec, 2.75%, 2028-09-01 | 3.7 |
| Province of Québec, 3.60%, 2033-09-01 | 3.4 |
| Province of Québec, 2.75%, 2027-09-01 | 3.2 |
| Province of Québec, 4.00%, 2035-09-01 | 2.8 |
| Province of Québec, 1.50%, 2031-09-01 | 2.2 |
| Hydro-Québec, 6.50%, 2035-02-15 | 0.9 |
| Hydro-Québec, 3.40%, 2029-09-01 | 0.8 |
| Province of Ontario, 2.05%, 2030-06-02 | 0.7 |
| Province of Ontario, 2.70%, 2029-06-02 | 0.6 |
| Bell Canada, 5.85%, 2032-11-10 | 0.6 |
| Province of Ontario, 2.15%, 2031-06-02 | 0.6 |
| Province of Ontario, 2.60%, 2027-06-02 | 0.6 |
| Toronto-Dominion Bank, 4.13%, floating rate from 2032-01-09, 2033-01-09 | 0.5 |
| % of Net Asset Value | |
|---|---|
| Microsoft | 0.8 |
| NVIDIA | 0.8 |
| National Bank of Canada | 0.6 |
| Alphabet, Class A | 0.6 |
| Amazon.com | 0.5 |
| Royal Bank of Canada | 0.5 |
| % of Net Asset Value | |
|---|---|
| Cash and Other Net Assets Components | 0.7 |
3 As at December 31, 2025
The FlexiFonds Conservative Fund allows you to invest in securities whose
assets are 70% linked to the Québec economy
Market value per unit1
As at February 20, 2026
$12.07
As of January 31, 20262
Annual compound returns (%)
| Year to Date | 1 year | 3 years | 5 years | 10 years | Since Inception | |
|---|---|---|---|---|---|---|
| FlexiFonds Conservative | 0.19% | 4.01% | 5.52% | 2.38% | N/A | 3.35% |
Fund's total market value: $227.6 million
Year-by-year returns3
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.
How much is a FlexiFonds mutual fund advisor worth?
As an investor, you may be tempted to deviate from your long-term savings objectives. You could, for instance, be seduced by attractive short-term rates or tempted to liquidate everything at the next market tremor. That's where the FlexiFonds team comes in, to help you make decisions that are in your best interest. According to a Quebec study conducted by CIRANO, using financial advice could enable you to accumulate nearly 3 times more savings than if you were to invest on your own for retirement.
What our savers say
"The advisor spent over an hour with me. She was very polite, knowledgeable and thorough. This was very important to me because I was doing business with another bank that didn't meet my expectations. I felt respected as a retired worker."
— Anne-France, FlexiFonds saver
"The advisor was very attentive to my needs, very professional and I could feel the smile in her voice!"
— Marie-Josée, FlexiFonds saver
Identify your investor profile
You can answer a few questions directly online to help us identify your investor profile. This step allows us to determine if a product is tailored to your reality. You can start by choosing the savings account you'd like to invest in: the RRSP, TFSA, RRIF, or investment account with FlexiFonds.
Portofolio managers
FlexiFonds mutual funds, with the exception of global equities, are managed by Addenda Capital inc.Attention, ce lien ouvrira un nouvel onglet. a Québec company specializing in portfolio management for over 30 years. Addenda Capital Inc. is a leading investment firm and a long-time partner of the Fonds de solidarité FTQ.
Portfolio management for global equities is provided by Montrusco Bolton Investments Inc.Attention, ce lien ouvrira un nouvel onglet. an independent asset management company with a history dating back to 1946. Based in Montreal, the investment management firm manages portfolios for institutional clients in North America, Europe and Asia.
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.
Supplemental documents about the FlexiFonds Conservative Fund
Portfolio Documents
Quarterly Portfolio Disclosure (including Summary of Investment Portfolio)
Management Reports
Most frequently asked questions
Information
All the information and data provided 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 an offer for the subscription or sale of shares of the Fonds de solidarité FTQ or the units referred to herein and should not be viewed as a recommendation. We suggest you consult your legal 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 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.
Trademarks
FlexiFonds, FlexiFonds Conservative, FlexiFonds Balanced and FlexiFonds Growth and the other trademarks displayed on this site are registered trademarks of the Fonds de solidarité FTQ. Other companies' trademarks are used with permission or under license. All rights reserved. Trademark references on this site should not be construed as an implied authorization to use such trademarks.
Access and site availability
The website is the property of Fonds de solidarité FTQ. By using the website, you agree to the following terms of use. You acknowledge and agree that the Fonds de solidarité FTQ may restrict, suspend or revoke your access to or use of all or part of the site, including links to third party sites, at any time, with or without cause, in its absolute discretion, without notice or liability. The Fonds de solidarité FTQ does not guarantee that this site will be available and meet your requirements or that access to this site will be uninterrupted. Availability downtime may occur at any time, without notice, including downtime required for maintenance or technical reasons.
