Épargne Placements Québec

This product is no longer on sale since October 1, 2021.

The flexibility you’ve been looking for!

Securi+ Bonds provide a good income and security with their competitive interest rate and guaranteed return.

  • Bonds with a term of ten years, redeemable every six months, for their full value without loss of interest. This means you can take advantage of future rises in interest rates.
  • Attractive interest rate guaranteed for the first 6 months. Thereafter, rates are adjusted every six months based on market conditions.
  • Simple interest, paid annually, or compound interest paid at redemption.
  • Minimum purchase of $100.

More details

Period of sale: This product is no longer on sale since October 1, 2021.
Issue date: Issued daily.
Term: 10 years.
Type of interest: Simple or compound.
Payment of interest: If simple interest, annual payment on the issue anniversary date.If compound interest, annual compounding on the issue anniversary date.
Interest rate: Rate set for a period of six months and adjusted half-yearly according to market conditions. On the half-yearly date, the rate is set six days in advance.
Minimum purchase amount: Any amount of $100 or more.
Purchase limit: Maximum amount held of $5 000 000 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 or partial every six months as of the issue date.Minimum amount of $100 or balance of the product.

A redemption request can be submitted, at the latest, every six months as of the date of purchase or the following business day if that date is not a business day.

Eligible accounts: Investment Savings Account, tax‑free savings account (TFSA), 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 in accordance with the terms and conditions of the Regulation respecting savings products (CQLR, chapter A-6.001, r.9).
Hypothec: Allowed in favour of financial institutions if the bonds are held in an Investment Savings Account or TFSA.
Treatment at
In the absence of instructions from the client, the capital and interest are automatically reinvested in Flexi‑Plus Savings units.

Rates in effect