With the coming into force of the Civil Code of Québec in 1994, the Québec legislature introduced the obligation for any syndicate of co-owners to set up a « contingency fund » in order to anticipate and finance future expenses to repair and replace the common portions, whether the building or the equipment located therein. This fund is strictly reserved for major repairs and replacement of common portions. It should not be used for maintenance. Bill 16 amended the Civil Code of Québec to subject the syndicate of co-owners to certain additional obligations, including obtaining a contingency fund study establishing the sums necessary for this fund to be sufficient. A look at the different aspects of this collective savings.