You can withdraw or transfer your RRSP+ if you have left Canada permanently.
If you emigrate permanently from Canada, you will be able to withdraw your RRSP+ as long as all the shares in the account have reached the minimum holding period.
Requirements:
The shareholder, their spouse and dependent children must have permanently emigrated from Canada
AND
must have permanently left their residence and employment.
Documents required:
The Fonds de solidarité FTQ form which includes a section entitled “Shareholder’s Solemn Declaration” stating that the family has permanently emigrated from Canada
AND
proof of employment in the host country, a work permit or proof of citizenship
AND
proof of residence in the host country.
Eligible shares:
Except for the exception mentioned below, the minimum holding period of 730days, provided in the Act, for the application of redemption criteriarelating to retirement, phased retirement and shareholders who have reached65years of age Fonds de solidarité FTQ share redemptions will be graduallyextended as follows:
| Date of redemption | Before June 1, 2027 | Between June 1, 2027, and May 31, 2029 | Between June 1, 2029, and May 31, 2031 | After May 31, 2031 |
|---|---|---|---|---|
| Minimum holding period | 2 years | 3 years | 4 years | 5 years |
Exception : Shareholders who are or will turn, during a year, 71years of age may redeem their Shares without a minimum holding period.
Subsequent share acquisition:
Impossible.
Disbursem*nt terms and conditions:
A single payment once all the shares become eligible. Transfer to another plan is permitted.
Do you have more questions?
Our agents will be pleased to answer any questions you may have at:
1-800-567-3663
Legal Notes
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 indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account income taxes payable by any security holder that would have reduced returns. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.
