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The RRSP+ by payroll deduction

Learn more about this retirement savings option for your employees.

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Implementing the RRSP+ and how it works

Answers to your questions about RRSP+ enrolment and implementation.

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The Espace employeur

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Most frequently asked questions

RRSP+ by payroll deduction
What's the difference between the Fonds de solidarité FTQ RRSP+ and a traditional RRSP?
Compared to a traditional RRSP, the RRSP+ at the Fonds offers your employees not one, but two tax benefits: The deduction applicable to any RRSP and the Fonds' additional 30 percent tax credit.¹
More Details : What's the difference between the Fonds de solidarité FTQ RRSP+ and a traditional RRSP?
RRSP+ by payroll deduction
What is payroll deduction?
Payroll deduction is a way for your employees to save automatically by having contributions to their RRSP+ at the Fonds deducted right from their pay.
More Details : What is payroll deduction?
RRSP+ by payroll deduction
Is there a maximum annual contribution for employees?
No. However, the Fonds may limit the subscription options available in order to meet its commitments and maintain a balanced business model. This potential limit will not affect savers who contribute via payroll deduction.
More Details : Is there a maximum annual contribution for employees?
RRSP+ by payroll deduction
Can I contribute to my employees' RRSP+ instead of offering a cash bonus?
Yes. In fact, this is a great way to give more to your employees. Amounts you pay your employees in the framework of an RRSP+ contribution program are not included in your payroll taxes.¹ Unlike traditional bonuses, these contributions have no impact on your deductions and employer contributions.
More Details : Can I contribute to my employees' RRSP+ instead of offering a cash bonus?
RRSP+ by payroll deduction
As an employer, am I obliged to contribute to my employees' RRSP+ at the Fonds?
No. The employer's contribution is optional. It's up to you to decide whether you wish to participate in your employees' retirement savings.
More Details : As an employer, am I obliged to contribute to my employees' RRSP+ at the Fonds?
RRSP+ by payroll deduction
Who can contribute to the RRSP+ at the Fonds?
To contribute to the RRSP+, you must be at least 18 years of age and reside in the province of Québec. As soon as a person receives employment income, they can contribute to an RRSP and start building capital for retirement.
More Details : Who can contribute to the RRSP+ at the Fonds?

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  • 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.

    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.