We're here to help you carry out your medium-term projects

Planning a wedding, home renovations, a sabbatical from work, or a dream vacation in the next three to five years? Find out how a TFSA or Investment Account with FlexiFonds can help you get there.

TFSA with FlexiFonds: Let your money grow tax-free

The money in your TFSA with FlexiFonds is not taxed. That means your initial capital plus any potential investment income grow tax-free! Accordingly, you'll be able to enjoy the entirety of your savings whenever you withdraw money to carry out a project.

Learn more about the TFSA with FlexiFonds

Investment Account with FlexiFonds: Keep investing beyond your RRSP and TFSA

The amounts you invest in your TFSA may be tax-sheltered, but you can't save more than your available contribution room as established by the Canada Revenue Agency. The same is true for RRSPs—each year, your contribution room is established in accordance with the income you reported the previous year.

Conversely, an investment account has no contribution room limits. If you've already maxed out your TFSA and RRSP, an investment account can be a welcome addition to your savings portfolio, especially if you're looking to carry out a particular project.

Learn more about the Investment Account with FlexiFonds

The benefits of saving with FlexiFonds

The flexibility to withdraw

FlexiFonds savings solutions offer greater withdrawal flexibility compared to the RRSP+ with the Fonds because the amounts invested in them can be withdrawn at any time, free of charge1, to help you make your plans come true.

Since the value of FlexiFonds mutual funds can fluctuate over time, our specialists generally recommend that savers hold their savings over an investment horizon of at least three years.

3 mutual funds adapted to your savings plan

Your investor profile is the starting point for assessing which of the three FlexiFonds mutual funds is best suited to your needs: Conservative, Balanced or Growth. It is determined when you open a new savings vehicle with FlexiFonds, based on your answers to a short questionnaire that assesses factors such as your main savings objective, investment horizon, and risk tolerance.


Investments with a strong focus on Québec

With 70% of their assets related to Québec's economy, our new products are in line with the Fonds' mission to support Québec's economy. Our savings solutions are unique on the market and highly invested in Québec since one-third of their assets consist of shares of our labour-sponsored fund.

Cédric is planning to renovate his kitchen by investing in a TFSA with FlexiFonds

Find out how a TFSA with FlexiFonds can help him achieve his goal!

Cédric would like to renovate his kitchen in the next five years. He already has $3,000 set aside, which he intends to invest in a TFSA with the FlexiFonds Growth Fund. He calculates that if he adds $150 per bi-weekly paycheque to this amount, his portfolio could grow to $25,379 in five years, based on a 5% return. He would gain a potential $2,879 in tax-free earnings— and be able to reach his savings objective faster!

Discover the TFSA with FlexiFonds


Cédric, 32 years old

Gross taxable salary:

Kitchen renovations

Project cost:

Savings habits:
$150 per paycheque, every two weeks

Manage your finances and bring your projects to fruition with our budget tool

Whatever your project, whether you're looking to purchase a home, planning to have a baby, or shopping for a new car, you can reach your savings goals with our budget tool.

Check out the tool

Most frequently asked questions

Why did the Fonds create the FlexiFonds offering?
The Fonds created the FlexiFonds offering to meet other savings needs while further supporting our economy. Only an entity registered as a mutual fund dealer with the AMF, such as  FlexiFonds de solidarité FTQ inc., can distribute this offering of savings products.
More Details : Why did the Fonds create the FlexiFonds offering?
What is a mutual fund?
A mutual fund is a pool of money collected from investors. Managed by a fund manager, the allocation of the invested amounts is determined based on the fund's objectives.
More Details : What is a mutual fund?
For what goal is a TFSA a good investment option?
This savings vehicle can be useful if you want to realize a specific project or to top up your retirement savings.
More Details : For what goal is a TFSA a good investment option?

Ready to save with FlexiFonds to carry out a project?

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    Conditions may apply, please read FlexiFonds' prospectus.


    Given that Cédric has sufficient TFSA contribution room, is financially stable, and already has an emergency fund for his short-term needs. Please note that FlexiFonds funds are not guaranteed, their value fluctuates, and past returns are not indicative of future returns.

    All the information and data provided on this website 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 offer to purchase or sell the units referred to herein and should not be viewed as a recommendation. We recommend you consult your advisor.

    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.

    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.

    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.