Special subscription period

Savings that give you more so you can live life to the fullest.

Save now

Would you like to enjoy life's little pleasures while still saving for the future?
It's possible with the Fonds.

Why does it pay to save with the Fonds?

Fonds de solidarité FTQ shares could give you access to 30% in tax credits.[1] What's more, investing in these shares through an RRSP may also qualify you for a tax deduction, leaving even more money in your pocket!

Fonds shares are also:

  • An investment in the local economy
  • A way to finance the purchase of a first home or return to school
  • A retirement savings solution

I'm interested

Saving money doesn't have to cost a lot.
Try it out!

Calculate your tax savings

Taxable income in 2026

I would like to contribute:

0
$5,000

Tax savings: $1,392.50

tax return with a traditional RRSP

tax return with an RRSP at the Fonds¹

Thanks to the benefits of contributing to the Fonds, your investment

will only cost you $1,107.50

for an annual savings of $2,500

Start Saving

Notes

Calculated amounts are estimates which may vary depending on your tax situation. Note that the income tax brackets and tax rates used are established according to the current fiscal rules as of January 1, 2026.

Starting October 5, 2026

For a limited time, access savings that give you more

Starting October 5, 2026, take advantage of a special subscription period to save with the Fonds.

First come, first served: Shares will be offered until all available funds have been exhausted.

Don't delay!

How to participate:
  1. Open an account with the Fonds.
  2. Decide how much you want to save.
  3. Make contributions to your account via bank withdrawals (either a single payment or multiple payments spread out between October 5, 2026, and May 31, 2027).

Open an account

Are you already saving with us?

Take advantage of this special subscription period to set aside more money. The 30% in tax credits[1] apply to the first $5,000 invested each year if you qualify.

Boost my savings

Frequently asked questions

Who can subscribe Fonds shares?

Anyone who is a resident of Quebec and 18 years of age or older.

 Is there a minimum savings amount?

The minimum subscription amount is $10. We want to make saving accessible to as many people as possible!

 Over what period can I spread out my bank withdrawals?

Withdrawals may be made between October 5, 2026, and May 31, 2027.

 In which savings vehicles can I invest my shares?

You can invest your shares in an RRSP with the Fonds and take advantage of the tax deduction specific to this vehicle if you qualify. You can also invest them in a spousal RRSP or non-RRSP account.

 Do I need to register in advance for the special subscription period?

No. No pre-registration is required. From October 5, 2026, to the end of the subscription period, simply open an online account or log in to your account to purchase shares.

 Will I be able to withdraw my money whenever I want?

Fonds shares are designed to be a long-term retirement investment. That said, savings can be used to finance the purchase of a first home (under the HBP) or return to school (under the LLP).

Redemption is also possible in certain exceptional cases. To learn more, see our FAQ on redemptions.

 When will I receive my tax credits?

You may claim the 30% in tax credits[1] on your 2026 or 2027 tax return, depending on when your bank withdrawals are processed.

To receive the tax credits, you must include an RL-10 slip with your tax return. This form will be available in your online account around mid-January 2027 for subscriptions made before December 31, 2026, and around mid-March 2027 for subscriptions made within the first 60 days of 2027.
Legal Notes
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.

Starting in the 2027 tax year, an individual whose taxable income is subject to the highest tax rate for the reference tax year may no longer be eligible for the labour-sponsored fund tax credit on shares subscribed to after December 31, 2026. This measure stems from amendments made to the Taxation Act following the enactment, on May 7, 2024, of the Act to give effect to fiscal measures announced in the Budget Speech delivered on 21 March 2023 and to certain other measures.