If you have a user name and a password, you can make your change of address via the Internet on the transactional website of Épargne Placements Québec. Otherwise, you can telephone or write to Épargne Placements Québec.
Épargne Placements Québec is responsible for managing transactions related to savings and retirement products issued and guaranteed by the gouvernement du Québec.
Products offered
- Step-up Bonds:
- redeemable annually on their date of issue;
- 10-year fixed step-up interest rate.
- Fixed-rate Bonds:
- redeemable at maturity;
- fixed interest rate depending on maturity.
- Discount Bonds:
- redeemable at maturity;
- guaranteed amount at maturity.
- Sécuri+ Bonds:
- redeemable every six months;
- interest rate guaranteed for six months.
- Savings Bonds:
- redeemable at any time;
- interest rate guaranteed annually.
- Stock index Bonds:
- redeemable at maturity;
- non-guaranteed return that varies according to the stock market index.
- Flexi-Plus Savings:
- accumulated amount redeemable at any time;
- variable interest rate depending on market conditions.
- Periodic Savings Plan by instalments:
- accumulated amount redeemable at any time;
- variable interest rate depending on market conditions.
- Payroll Periodic Savings Plan:
- product available to all Québec public and parapublic sector personnel;
- accumulated amount redeemable at any time;
- variable interest rate depending on market conditions.
- RRSP loan:
- loan eligible for Épargne Placements Québec’s RRSP products;
- annual interest rate that varies according to the term selected (12 or 24 months).
Types of accounts, plans and funds offered
The products listed above can be placed, free of charge, in any of the following accounts, plans or funds:
- Épargne Placements account;
- tax-free savings account;
- registered retirement savings plan (RRSP);
- registered retirement income fund (RRIF);
- locked-in retirement account;
- life income fund.
Épargne Placements Québec’s products are also eligible for self-directed retirement savings plans and funds.
Québec Savings Bonds issued before 1996
These savings bonds, which were issued in the form of physical certificates, have matured and stopped bearing interest. For information on how to redeem these bonds, contact an investment officer of Épargne Placements Québec.
Épargne Placements Québec’s products are intended for the following types of purchasers:
- individuals (natural persons);
- partnerships or limited partnerships;
- businesses (legal persons);
- successions of persons;
- foundations and personal or public trusts.
Épargne Placements Québec began operations on May 2, 1996.
