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Épargne Placements Québec

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Savings Bonds

Savings Bonds are not on sale at the present time.

The most flexible guaranteed savings product!

These bonds are redeemable any time. They can be redeemed daily for their full face value without penalty.

In addition, this extremely flexible product also offers:

  • Minimum interest rate guaranteed and set annually depending on market conditions for each year of the ten‑year term.
  • Interest calculated daily and paid in full regardless of the day of the month it is cashed.
  • Available in any amount of $100 or more.

Savings Bonds are issued twice a year: on June 1 and November 1. You can acquire them during the sales periods, which run from May 1 to June 1 and from October 1 to November 1.

It should be noted that these sales periods are always at the discretion of the Minister and may be changed at any time.

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More details

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DESCRIPTION
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Issue date: {{produits[6].DateEmission | datestr}}.
Maturity date: {{produits[6].DateEcheance | datestr}}.
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: Minimum rate guaranteed until {{produits[6].DateFinGarantie | datestr}}. Subsequent years: rates adjusted according to market conditions.
Minimum purchase amount: Minimum purchase amount of $100.
Purchase limit: Maximum amount held of $7 000 000 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, any time the account holder wants: minimum amount of $100 or balance of the product.
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 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 Québec Savings Bonds of the curent year or, if such bonds are not available, in Flexi‑Plus Savings units.

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