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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 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.
