RRSP+: Give more to your employees
A no-fee, turnkey solution offering an additional 30% in tax savings¹, it's a good decision.
APPLY TODAYSet yourself apart from other employers by offering the RRSP+ by payroll deduction
Payroll deductions help your employees save automatically by deducting contributions to their RRSP+ directly from their pay. They benefit from immediate income tax savings, which helps them put money aside more easily.
Traditional RRSP
$1,000
RRSP+ with the Fonds
$1,000
Over 14,200⁴ Canadian employers offer this benefit.
Apply todaySave for retirement and more
By helping your employees save more with the RRSP+, you're lending a hand not only with their retirement plans, but also with life projects like buying a house or going back to school.
Choosing an alternative to the VRSP
An RRSP+ by payroll deduction is simple to set up and enables you to meet the requirements of VRSP legislation while offering your employees more options.
A win-win solution
For employers:
- Adapted to your payroll process
- Easy to manage using the Espace employeur, a secure website
- Includes personalized support service
For your employees:
- Tax savings directly from their pay
- Standard RRSP deduction still applies
- Additional 30% in tax savings¹
Tips and tools for creating a distinctive employee experience
Discover our tips on facilitating employee recruitment and retention while adapting to the realities of Québec SMEs.

Find out more about the RRSP+ by payroll deductions
Learn more about our retirement savings plan giving more to your employees, tools that make setting it up easy as well as concrete examples of tax credits your employees can benefit from, with or without employer contributions.
Most frequently asked questions
Talk to one of our agents
You can reach us at 1-888-385-3723, Monday to Friday, between 8:30 a.m. and 4:30 p.m.
Send us a message
You have a question about your file or the Fonds de solidarité FTQ? Write to us, we will be happy to answer you.
Log in to the Espace employeur
You can manage all aspects of your company's payroll deduction plan online. A wide range of documents for you and your employees is also available on the Espace employeur.
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1
The Fonds de solidarité FTQ's shareholders will receive 15% in tax credits from the Québec government and 15% from the federal government. They are capped at $1,500 per fiscal year, which represents a $5,000 purchase of shares of the Fonds de solidarité FTQ.
Please read the prospectus before buying Fonds de solidarité FTQ shares. 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.
Prospectus_En2The employers' RRSP voluntary contribution is not accounted for in the payroll or social security charges. It therefore has no impact on employer's deductions and contributions.3Example based on the 2022 taxation year for an individual with an annual taxable income of $31,500, at a marginal rate of 27.5%. The calculated amounts are estimates that can vary according to your tax situation.4As at November 30, 2022