Contribute to an RRSP or a TFSA today

Choose savings products that are good for you and good for Québec

Contribute

RRSP with FlexiFonds products: Reduce your taxable income for 2024

Open an RRSP

TFSA with FlexiFonds products: New $7,000 contribution limit

Open a TFSA

FlexiFonds mutual funds

 

Annual compound returns (%) as of February 28, 2025*

  Year to Date 1 year 3 years 5 years 10 years Since Inception
FlexiFonds Conservative 1.30% 9.39% 2.47% 2.81% N/A 3.21%
FlexiFonds Balanced 1.23% 10.85% 3.99% 4.48% N/A 4.67%
FlexiFonds Growth 0.80% 11.54% 5.31% 6.36% N/A 6.33%
* 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.

4 good reasons to invest with FlexiFonds products

  1. Investments in the local economy
  2. Access to a team of advisors, regardless of the size of your savings, with zero pressure and zero commissions
  3. Choice of three products tailored to different risk profiles and savings goals
  4. More than 40 years of financial experience at your service

FlexiFonds products do not qualify for the additional 30% in tax credits specific to labour-sponsored funds, but they allow you to benefit from the tax advantages specific to RRSPs and TFSAs.

What our savers say

"I was a Fonds shareholder when I was still working. This is my second year contributing to FlexiFonds, and I appreciate the performance and the usability of the website."

— Michel, FlexiFonds saver

"It's easy to complete self-service transactions online, and it's easy to get answers from an advisor when I have questions."

— Diane, FlexiFonds saver

ico-transfert

Save up to $200 on FlexiFonds transfer fees[1]

Transfer your RRSP, TFSA, or RRIF from another financial institution to a FlexiFonds product to take advantage of this promotion.[1] We'll even take care of the paperwork for you!

See the promotion

Talk to caring professionals

FlexiFonds mutual fund advisors answer your questions with no pressure and no commission.

1-833-383-2121

Monday to Thursday, from 9 a.m. to 8 p.m., and Fridays from 9 a.m. to 5 p.m.

FlexiFonds mutual fund advisors
  • 1

    By participating in the Transfer Fee Refund Promotional Offer (the "Offer"), and subject to applicable laws and the current prospectus, you (the "Client") acknowledge that you have read, understand, and agree to be bound by the following terms and conditions.

    In accordance with the terms of the offer, an amount equivalent to the transfer fees incurred, up to a maximum of $200, will be reimbursed to any client who transfers and invests all or part of a registered investment account such as an RRSP, TFSA, or RRIF with a minimum value of $5,000 (the "Eligible Account") from another financial institution to FlexiFonds de solidarité FTQ inc. ("FlexiFonds").

    This Offer is valid for all existing or new FlexiFonds Clients who have an active account with FlexiFonds. To be eligible for this refund, the Client must submit a transfer request from an Eligible Account between 8:00 a.m. ET on February 2, 2023, and 11:59 p.m. ET on May 31, 2023 (the "Eligibility Period").

    This offer is intended for any current client or any new client of FlexiFonds who has an active account with FlexiFonds. The Fonds de solidarité FTQ may end this promotional offer without notice.

    The reimbursement of transfer fees shall be equal to the lesser of: (i) the actual transfer fee for an Eligible Account; or (ii) a maximum amount of $200 per Eligible Account, whichever is less. There is no limit to the number of Eligible Accounts a Client can transfer during the Eligibility Period. Partial transfers from the same Eligible Account are eligible for a single reimbursement only. 

    All transfer fee refunds shall be made by issuing an equivalent amount of FlexiFonds shares, directly credited to a FlexiFonds account in accordance with the same investment instructions applicable to the proceeds of the Eligible Account being transferred. Any request to redeem or switch FlexiFonds units received within 90 days of the end of the transfer process shall result in the Offer being rendered null and void, and the Client will be required to repay all transfer fees refunded by FlexiFonds.

    Transfer fees will be refunded in Canadian dollars after the transfer process is complete. The refunded amount shall not count as an RRSP, TFSA, or RRIF contribution, and no tax receipt will be issued. FlexiFonds mutual fund investments are not eligible for the Labour-sponsored funds tax credit. Transfer fee refunds may have tax implications. For more information, we recommend that the Client consult with their advisor.

    Under this Offer, only the transfer fees shall be refunded. No refunds will be made for transferring an Eligible Account that is exempt from transfer fees. The Client is responsible for all redemption fees, liquidation fees, commissions, and any other fees associated with transferring the account.

    Transfer requests that do not meet the eligibility requirements stated in the prospectus shall be denied. Fonds de solidarité FTQ and FlexiFonds reserve the right to suspend, cancel, or modify the terms and conditions of the offer at any time and without prior notice, and reject all liability for any loss, damage, or other harm that may result from taking part in the offer and transferring an Eligible Account.

    FlexiFonds reserves the right to suspend, cancel, or modify the terms of this Offer at any time without prior notice. FlexiFonds may also refuse transfer requests from Clients who do not meet the eligibility requirements as stated in the prospectus.

    FlexiFonds is not liable for any loss, damage, or harm that may arise from taking part in this Offer and transferring an Eligible Account.

    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.