Plan your retirement with personal savings
The RRSP and TFSA accounts allow you to prepare for a retirement that meets your needs.
Retirement Guide: Picture your perfect retirement and plan for it!
When it comes to planning your retirement, it can be helpful to identify how you plan to spend your time after you stop working. Our Retirement Guide features questions to inform your thought process, help you understand yourself better, and figure out your interests and what you're capable of so that you can adequately plan your retirement.
The RRSP+ with the Fonds: Make the most of your retirement
In addition to the usual RRSP deductions, the RRSP+ with the Fonds gives you an additional 30% in tax savings: for the same amount invested, you'll be able to save at a lower cost. For example, saving $2,500 in an RRSP+ account would only cost you $1,087.50. This allows you to plan for retirement without sacrificing your current lifestyle.
The RRSP with FlexiFonds products: For a retirement plan that meets your needs
By choosing the RRSP with FlexiFonds, you'll have access to three mutual funds tailored to various risk profiles and savings plans. What's more, investing with FlexiFonds is a great way to keep your savings local.
The TFSA with FlexiFonds: The perfect complement to your retirement savings
Since the TFSA allows you to generate tax-free earnings, putting your savings to work in this type of account for as long as possible can really pay off. The TFSA can also be interesting for retirement savings, because it allows you to optimize your tax situation whenever you decide to withdraw your money. In addition, choosing FlexiFonds means investing in products made up of assets that are 70% linked to the local economy.
Projected value of my investment*
*In light of its mission and investment strategies, the Fonds de solidarité FTQ anticipates an average net annual return of 3.5% to 4% for the Fonds' Class A shares over the long term. This return does not take into account the tax credits granted to shareholders when they purchase Fonds de solidarité FTQ shares and is subject to volatility on a semi-annual and annual basis. The rate of return is solely used to illustrate the effects of the compound growth rate; it is not intended to reflect the future value of Fonds de solidarité FTQ shares.