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FlexiFonds secure investment option
FlexiFonds secure
investment option
Greater security for your retirement.
More potential for your savings.
Peace of mind,
with a return on investment
Savers who are retired or nearing retirement tend to want greater stability for their assets, but still want to grow those savings well into the future.
FlexiFonds' new secure investment option was designed with both of these goals in mind—safeguarding your savings and generating returns—so you can enjoy your retirement to the fullest.
Why choose our secure investment option?
Predictable
- 100% of the principal is protected at maturity
- Protection against market fluctuations
Profitable
- Guaranteed minimum annual return of 3.25%
- Potential for additional returns if the performance of the Fonds de solidarité FTQ shares exceeds the guaranteed minimum return
Tailored to your needs
- 5-, 7-, and 10-year term options, depending on your desired time horizon
- Can be held in an RRSP or a RRIF
Keep saving in a way
that aligns with your values
Keeping your investments within the Fonds' family means continuing to support the Québec economy, even after you retire.
Support local businesses
The funds invested in this secure investment support Québec businesses and jobs.
Take advantage of our retirement expertise
Take advantage of the personalized, accessible, and pressure-free guidance offered by FlexiFonds mutual fund advisors.
Talk to a member of our team about our secure investment option
Is it right for you?
The FlexiFonds secure investment option may be right for you if:
You're approaching retirement or you're already retired.
You want to protect your savings from market fluctuations.
You want a predetermined return with the potential to earn more.
You're looking for a solution that allows you to stay with the Fonds.
You can hold this investment for a predetermined period of time.
Please note
Funds invested in this secure investment cannot be withdrawn before maturity, except in certain cases—such as to take advantage of retirement income under a RRIF.
Product description
The FlexiFonds secure investment option is a principal protected note (PPN) with enhanced return linked to the performance of the Fonds de solidarité FTQ shares.
The PPNs issued by FlexiFonds are unique in that the funds invested go toward initiatives aligned with the Fonds' mission. That is why the potential additional return depends on the performance of Fonds' shares.
The secure investment does not qualify for the additional 30% in tax credits for labour-sponsored funds, but it does allow you to take advantage of the usual tax benefits associated with RRSPs and RRIFs, if you are eligible.
Yield and additional return
The guaranteed minimum annual return is the same for all terms. However, the longer the investment period, the greater the potential for an additional return.
| Guaranteed minimum return | Possible additional return based on the Fonds' performance | ||
|---|---|---|---|
| Term | Annual interest rate | Total return at maturity | Participation rate |
| 5 years | 3.25% | 17.80% | 20% |
| 7 years | 3.25% | 25.60% | 22% |
| 10 years | 3.25% | 38.26% | 25% |
What is the participation rate?
The participation rate determines the portion of the variable return that may be paid to you if the Fonds' performance exceeds the guaranteed minimum return. For more information, see the example of how the additional return is calculated.
Are you interested in our secure investment option?
Schedule an appointment with a member of our team.
Leave us your contact information, and we'll call you back to schedule an appointment with a FlexiFonds mutual fund advisor.
Our team will help you determine whether the secure investment is right for you.
By submitting this form, you consent to receive electronic communications from Fonds de solidarité FTQ and FlexiFonds de solidarité FTQ, including newsletters, notifications, reminders, and information about our products, services, and initiatives. You may withdraw your consent at any time or update your communication preferences using the link provided at the bottom of Fonds de solidarité FTQ emails.
Avisez-moi quand ça commence
By submitting this form, you consent to receive electronic communications from Fonds de solidarité FTQ and FlexiFonds de solidarité FTQ, including newsletters, notifications, reminders, and information about our products, services, and initiatives. You may withdraw your consent at any time or update your communication preferences using the link provided at the bottom of Fonds de solidarité FTQ emails.
Or give us a call today
1-833-333-3117 (toll-free)
514-657-2268
Business hours:
Monday to Friday, 8:30 a.m. to 5 p.m.
Additional information
Documents on the secure investment (In French only)
Most frequently asked questions
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Principal protected notes
Principal protected notes with enhanced return linked to the performance of the Fonds de solidarité FTQ shares are issued by the Fonds de solidarité FTQ and distributed solely in Québec by FlexiFonds de solidarité FTQ inc., a mutual fund dealer wholly owned by the Fonds de solidarité FTQ. National Bank Trust Inc. acts as the administrator and registrar of these notes. Please read the prospectus and pricing supplements before investing. These notes are not covered by the Canada Deposit Insurance Corporation nor any other government deposit insurer. The return component linked to the performance of the Fonds de solidarité FTQ shares fluctuates from one issuance to another, and past performance may not be repeated. This investment may not be suitable for all investors. We recommend that you contact your registered FlexiFonds mutual fund representative.
The rate offered on principal protected notes with enhanced return linked to the performance of the Fonds de solidarité FTQ shares may vary from one issuance to another.
