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Épargne Placements Québec

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Fixed‑rate Bonds

Fixed‑rate Bonds provide high fixed income right from the first year. In addition, the range of terms available allows you to diversify the maturities of your investments.

  • Interest income guaranteed for the term of the investment.
  • Choice of different terms, depending on your savings objectifs.
  • Interest rate set in accordance with the term selected.
  • Regular or compound interest.
  • Regular interest paid annually (minimum purchase of $100).

 

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DESCRIPTION
When offered: Continuously.
Issue date: Issued daily.
Term: At the purchaser’s choice, among available termes of 1 year, 2 years, 3 years, 4 years, 5 years, 6 years and 10 years.
Type of interest: Simple or compound.

Simple: interest accrued during the year is paid at the end of each year.

Compound: after each year, interest accrued is added to the initial amount. Future interest is calculated on this new amount.
Payment of interest: Simple interest bonds: interest is paid annually.

Compound interest bonds: interest is paid at the end of the investment period.
Interest rate: Fixed rate, depending on maturity, shown at the annual nominal rate.
Minimum purchase amount: Any amount greater than or equal to $100.
Purchase limit: Maximum amount held of $20 000 000 for general or limited partnerships and legal persons established for a private interest or in the public interest acting on their own account, except in the case of a transfer resulting from a succession.
Authorized purchasers: Persons or groups of persons or of properties, domiciled in Québec and subject to the rules of Québec law (natural persons, general or limited partnerships, legal persons, successions of persons, foundations and personal or social trusts).
Redemption: Total at maturity.
Eligible accounts: Investment Savings Account, tax‑free savings account (TFSA), tax-Free First Home Savings Account (FHSA), registered retirement savings plan (RRSP), registered retirement savings plan (RRSP), registered retirement income fund (RRIF), locked‑in retirement account (LIRA) and life income fund (LIF). Can also be entered in the account of a trustee or of an agent of a trustee for the benefit of a participant in a self‑directed plan or fund
Assignment and transfer: The Bonds are assignable and transferable only under the conditions and in the cases provided for in the Regulation respecting savings products (CQLR, chapter A-6.001, r. 9), in particular in the event of divorce or death of the participant.
Hypothec: Allowed in favour of financial institutions if the bonds are held in an Investment Savings Account or TFSA.
Treatment at
maturity:		 In the absence of instructions from the client, the capital and interest are automatically reinvested in Flexi‑Plus Savings units.

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