RRSP+: Give more to your employees
Offer them to subscribe to Fonds shares so they can get an additional 30% in tax savings¹. A no-fee, turnkey solution.
APPLY TODAYTraditional RRSP
$1,000
RRSP+ with the Fonds
$1,000
Over 17,770⁴ 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 8:00 a.m. and 4:00 p.m.
Offer RRSP+ to your employees
Begin your enrollment process online now!
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.
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. These shares can be held in an RRSP at the Fonds de solidarité FTQ and allow you to benefit from the tax credits, in addition to the RRSP deduction from your income. These shares can also be held in a non-RRSP account at the Fonds de solidarité FTQ. In this case, you can only claim the tax credits. Thus, by subscribing for shares of the Fonds de solidarité FTQ held in an RRSP at the Fonds de solidarité FTQ, you can, depending on your tax situation, benefit from more tax savings than the usual RRSP deduction. The Fonds de solidarité FTQ uses the term "RRSP+" to illustrate this enhanced tax benefit.
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.
