Épargne Placements Québec savings products
With capital and interest fully guaranteed by the Quebec government, Épargne Placements Québec offers a wide range of savings products to satisfy your savings and retirement needs.
FÉRIQUE Investment Services, through its financial planning firm, distributes Épargne Placements Québec savings products as an additional service to its clients.
Term products
Yield and security combined!
Step‑up Bonds are ideal if you’re looking for a safe, flexible investment with a good return.
- Competitive and guaranteed step‑up rates.
- A ten-year term. Bonds redeemable annually, in full or in part, according to their issue date. This allows you to take advantage a better rate structure for Step-up Bonds being sold on the anniversary date, or meet cash needs.
- Choice of regular or compound interest.
- Regular interest paid annually (minimum purchase of $100).
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.
- Maturities ranging from one to ten years.
- Interest rate set in accordance with the term selected.
- Regular or compound interest.
- Regular interest paid annually (minimum purchase of $100).
Invest your money safely, while protecting the environment!
Through Fixed-rate Green Bonds, you can contribute to green projects that will generate tangible benefits in Québec for protecting the environment, reducing greenhouse gas emissions or adapting to climate change.
Funded projects are aimed at environmental protection in Québec and show concrete environmental benefits. The characteristics of this savings product are the following:
- A five-year term.
- Interest income guaranteed for the term of the investment.
- Regular or compound interest.
- Regular interest paid annually (minimum purchase of $100).
Products redeemable any time
The high-interest product to manage your cash flow efficiently!
Your money is redeemable at any time without penalty, which allows you to take advantage of your savings when you need them:
- Advantageous interest rate which varies with market conditions.
- Interest calculated on the daily closing balance and compounded monthly.
- Capital and interest fully guaranteed by the Québec government, with no limit on the amount.
- Minimal initial deposit of $10.
Saving has never been easier!
Periodic withdrawals allow you to put money aside without thinking about it! You save at your own pace for your projects, no matter how much you put in!
There are two types of withdrawals available to you:
- Pre-authorized bank withdrawals (minimum of $10) at the frequency of your choice (weekly, bi-weekly or monthly) or according to your pay frequency.
- You can change the amount and frequency at any time.
- Continuous withdrawals until terminated by the participant.
- No management or administration fees.
- Eligible accounts: RRSP and TFSA (eligible for bank direct debit and payroll deductions), FHSA (eligible for bank direct debit).
FÉRIQUE Investment Services (“FIS”) as a selling agent and firm authorized to act in the financial planning sector is authorized to act as intermediary between its clients and Épargne Placements Québec for the sale of Government of Québec savings products offered by Épargne Placements Québec (the “savings products”) pursuant to an agreement for the sale of savings products. In return for its services as selling agent of the savings products, FIS receives a commission corresponding to an annual rate of 0.25%. The savings products are subject to the Financial Administration Act and the Regulation respecting savings products and are excluded from the application of the Securities Act and from Regulation 31-103 respecting Registration Requirements, Exemptions and Ongoing Registrant Obligations. People who wish to purchase savings products via FIS are required to sign a certification specifically for this purpose.