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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
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: 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.
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: 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.
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: 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.
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: 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.
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: 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.
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: Who can contribute to the RRSP+ at the Fonds?
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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.
