[{"data":1,"prerenderedAt":371},["ShallowReactive",2],{"article-\u002Fconseils-finance-blogue\u002Fcomment-acheter-obligations-epargne-quebec":3},{"id":4,"title":5,"body":6,"composed":356,"date":357,"description":358,"elementorDocs":359,"elementorId":360,"extension":361,"image":359,"legacyUrl":362,"meta":363,"navigation":356,"ogDescription":358,"ogImage":364,"ogTitle":365,"path":366,"robots":367,"seo":368,"seoTitle":365,"stem":369,"__hash__":370},"articles\u002Fconseils-finance-blogue\u002Fcomment-acheter-obligations-epargne-quebec.md","Comment acheter des obligations d’épargne du Québec?",{"type":7,"value":8,"toc":353},"minimark",[9,52,115],[10,11,19],"el-section",{"el":12,"res":13},"5d229cb7",{"tag":14,"class":15,"type":14,"settings":16,"container":17,"overlay":18},"section","elementor-section elementor-top-section elementor-element elementor-element-5d229cb7 elementor-section-full_width elementor-section-height-default elementor-section-height-default","{\"background_background\":\"classic\"}","elementor-container elementor-column-gap-default","elementor-background-overlay",[20,21,28,43],"el-column",{"el":22,"res":23},"162aa6b7",{"tag":24,"class":25,"type":26,"settings":16,"wrap":27},"div","elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-162aa6b7","column","elementor-widget-wrap elementor-element-populated",[29,30,40],"el-heading",{"el":31,"res":32},"c1b7c9c",{"tag":24,"class":33,"type":34,"widget":35,"container":36,"lead":37},"elementor-element elementor-element-c1b7c9c elementor-widget elementor-widget-heading","widget","heading.default","elementor-widget-container",{"tag":38,"class":39},"h1","elementor-heading-title elementor-size-default",[41,42,5],"p",{},[44,45],"el-breadcrumb",{"el":46,"res":47},"1b1b8806",{"tag":24,"class":48,"type":34,"widget":49,"container":36,"lead":50},"elementor-element elementor-element-1b1b8806 elementor-widget elementor-widget-shortcode","shortcode.default",{"tag":24,"class":51},"elementor-shortcode",[10,53,57],{"el":54,"res":55},"50336782",{"tag":14,"class":56,"type":14,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-50336782 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,58,62,74,79,102],{"el":59,"res":60},"38b65341",{"tag":24,"class":61,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38b65341",[63,64,71],"el-text",{"el":65,"res":66},"4064960b",{"tag":24,"class":67,"type":34,"widget":68,"container":36,"lead":69},"elementor-element elementor-element-4064960b elementor-widget elementor-widget-text-editor","text-editor.default",{"tag":41,"class":70},"subtitle",[41,72,73],{},"Partagez l’article:",[75,76],"el-share-buttons",{"el":77,"networks":78},"47b15de2","facebook,twitter,linkedin",[63,80,86],{"el":81,"res":82},"12bb3622",{"tag":24,"class":83,"type":34,"widget":68,"container":36,"lead":84},"elementor-element elementor-element-12bb3622 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},"",[41,87,88,89,97,98,101],{},"En faisant l’acquisition d’",[90,91,93],"a",{"href":92},"\u002Fconseils-finance-blogue\u002Fles-obligations-boursieres-est-ce-la-meilleure-des-garanties\u002F",[94,95,96],"strong",{},"obligations boursières"," (ou ",[94,99,100],{},"placement garanti lié au marché","), vous prêtez de l’argent à une institution en échange d’intérêts. Comment est-il possible d’en faire l’acquisition et comment fonctionnent-elles?",[103,104,112],"el-button",{"el":105,"to":106,"res":107},"20a7b984","\u002Fconseils-finance-blogue\u002F",{"tag":24,"class":108,"type":34,"widget":109,"container":36,"lead":110},"elementor-element elementor-element-20a7b984 elementor-align-left elementor-widget elementor-widget-button","button.default",{"tag":24,"class":111},"elementor-button-wrapper",[41,113,114],{},"Retourner au blogue",[10,116,120],{"el":117,"res":118},"3bcde5a2",{"tag":14,"class":119,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-3bcde5a2 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,121,125,135,145,167,176,188,197,206,215,230,238,281,290,315,325,334,342,345],{"el":122,"res":123},"68b175e0",{"tag":24,"class":124,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68b175e0",[29,126,132],{"el":127,"res":128},"6f84877",{"tag":24,"class":129,"type":34,"widget":35,"container":36,"lead":130},"elementor-element elementor-element-6f84877 elementor-widget elementor-widget-heading",{"tag":131,"class":39},"h2",[41,133,134],{},"Les obligations d’épargne du Québec : pourquoi en faire l’achat?",[29,136,142],{"el":137,"res":138},"4135f39",{"tag":24,"class":139,"type":34,"widget":35,"container":36,"lead":140},"elementor-element elementor-element-4135f39 elementor-widget elementor-widget-heading",{"tag":141,"class":39},"h3",[41,143,144],{},"Des obligations remboursables",[63,146,151,158,161],{"el":147,"res":148},"fc1457c",{"tag":24,"class":149,"type":34,"widget":68,"container":36,"lead":150},"elementor-element elementor-element-fc1457c elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,152,153,154,157],{},"Les ",[94,155,156],{},"obligations d’épargne du Québec"," offrent des conditions avantageuses, lesquelles sont dignes de mention. Parmi celles-ci, mentionnons qu’elles sont remboursables en tout temps (complètement ou partiellement) sans pénalité. ",[41,159,160],{},"​",[41,162,163,164,166],{},"Conséquemment, la crainte de ne pas pouvoir accéder à l’argent en cas de nécessité ne s’applique pas aux ",[94,165,156],{},". Tel que mentionné précédemment, elles sont aussi admissibles à de nombreux produits financiers.",[29,168,173],{"el":169,"res":170},"9e58a41",{"tag":24,"class":171,"type":34,"widget":35,"container":36,"lead":172},"elementor-element elementor-element-9e58a41 elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,174,175],{},"Un capital et un taux d’intérêt minimum garanti",[63,177,182],{"el":178,"res":179},"a4bc7d3",{"tag":24,"class":180,"type":34,"widget":68,"container":36,"lead":181},"elementor-element elementor-element-a4bc7d3 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,183,184,185,187],{},"Également, n’oublions pas de mentionner que le capital ainsi que le taux d’intérêt minimum est garanti. Concernant les intérêts, ceux-ci sont calculés au quotidien et versés en totalité indépendamment du jour. Le taux est fixé par le ministre des Finances du Québec lors de l’émission des ",[94,186,156],{}," et est garanti pendant 1 an. Par la suite, ce sera le nouveau taux fixé qui sera applicable.",[29,189,194],{"el":190,"res":191},"669a02b",{"tag":24,"class":192,"type":34,"widget":35,"container":36,"lead":193},"elementor-element elementor-element-669a02b elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,195,196],{},"L’absence de frais de gestion et d’administration",[63,198,203],{"el":199,"res":200},"e7c2a06",{"tag":24,"class":201,"type":34,"widget":68,"container":36,"lead":202},"elementor-element elementor-element-e7c2a06 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,204,205],{},"L’absence de frais de gestion et d’administration est également un avantage à souligner pour ceux qui souhaitent profiter d’un outil d’épargne leur permettant de faire fructifier au maximum leur argent.",[29,207,212],{"el":208,"res":209},"b20e10d",{"tag":24,"class":210,"type":34,"widget":35,"container":36,"lead":211},"elementor-element elementor-element-b20e10d elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,213,214],{},"L’accessibilité",[63,216,221,224],{"el":217,"res":218},"2cafc3c",{"tag":24,"class":219,"type":34,"widget":68,"container":36,"lead":220},"elementor-element elementor-element-2cafc3c elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,222,223],{},"Enfin, ce produit est accessible avec un investissement aussi modeste que cent dollars. De ce fait, il est à portée de main d’une grande majorité de Québécois souhaitant maximiser leur épargne.",[41,225,226,227,229],{},"Concluons en rappelant que les conditions et modalités des ",[94,228,156],{}," sont sujet à changement. Veuillez vous référer directement à Épargne Placements Québec pour obtenir les modalités à jour.",[29,231,236],{"el":232,"res":233},"33a5d08",{"tag":24,"class":234,"type":34,"widget":35,"container":36,"lead":235},"elementor-element elementor-element-33a5d08 elementor-widget elementor-widget-heading",{"tag":141,"class":39},[41,237,5],{},[63,239,244,258,260,273,275],{"el":240,"res":241},"80d7b55",{"tag":24,"class":242,"type":34,"widget":68,"container":36,"lead":243},"elementor-element elementor-element-80d7b55 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,245,246,247,250,251,257],{},"Pour faire l’achat d’obligations d’",[94,248,249],{},"Épargne Placements Québec",", vous pouvez ouvrir un compte sur leur site Web ou compléter une demande à même l’application de ",[90,252,254],{"href":253},"\u002Fnous-joindre\u002F",[94,255,256],{},"Livsta",".",[41,259,160],{},[41,261,262,263,265,266,268,269,272],{},"Il convient de savoir que les ",[94,264,156],{},", contrairement à d’autres types d’",[94,267,96],{}," offertes par ",[94,270,271],{},"Épargne Placements Québec,"," ne sont pas disponibles durant toute l’année. Il est possible d’en faire l’acquisition deux fois par an, soit en novembre et en juin. Il est donc conseillé de surveiller les dates où celles-ci sont mises en vente afin de pouvoir en faire l’achat. ",[41,274,160],{},[41,276,277,278,280],{},"Sachez qu’",[94,279,249],{}," offre également d’autres types d’obligations (à taux fixe, à taux progressif, à escompte, etc.) qui peuvent être achetées tout au long de l’année. Chaque type d’obligation comporte ses propres conditions et modalités qui diffèrent l’une de l’autre.",[29,282,287],{"el":283,"res":284},"06c2588",{"tag":24,"class":285,"type":34,"widget":35,"container":36,"lead":286},"elementor-element elementor-element-06c2588 elementor-widget elementor-widget-heading",{"tag":131,"class":39},[41,288,289],{},"Le transfert des fonds pour l’achat d’obligations d’épargne",[63,291,296,302,304,307,309],{"el":292,"res":293},"7cc3f55",{"tag":24,"class":294,"type":34,"widget":68,"container":36,"lead":295},"elementor-element elementor-element-7cc3f55 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,297,298,299,301],{},"Le transfert des fonds se fait en provenance de votre institution financière, laquelle est identifiée dans le profil au moment de l’ouverture d’un compte chez ",[94,300,249],{}," ou avec votre conseiller Livsta. ",[41,303,160],{},[41,305,306],{},"Les fonds seront alors redirigés vers votre compte chez Épargne Placements Québec. Ensuite, ils peuvent être utilisés pour faire l’achat d’obligations dans un des comptes admissibles comme le régime enregistré d’épargne-retraite, le fonds enregistré de revenu de retraite, le fonds de revenu viager, le compte de retraite immobilisé et le compte d’épargne libre d’impôt.",[41,308,160],{},[41,310,311,312,314],{},"L’application de Livsta vous permettra d’en savoir plus sur les ",[94,313,156],{}," et sur leur achat.",[103,316,322],{"el":317,"to":318,"res":319},"5639b632","\u002Finvestir-argent-et-bourse-en-ligne\u002F",{"tag":24,"class":320,"type":34,"widget":109,"container":36,"lead":321},"elementor-element elementor-element-5639b632 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":111},[41,323,324],{},"Débuter votre stratégie ICI",[326,327],"el-divider",{"el":328,"res":329},"53564e6a",{"tag":24,"class":330,"type":34,"widget":331,"container":36,"lead":332},"elementor-element elementor-element-53564e6a elementor-widget-divider--view-line elementor-widget elementor-widget-divider","divider.default",{"tag":24,"class":333},"elementor-divider",[63,335,340],{"el":336,"res":337},"3b094eae",{"tag":24,"class":338,"type":34,"widget":68,"container":36,"lead":339},"elementor-element elementor-element-3b094eae elementor-widget elementor-widget-text-editor",{"tag":41,"class":70},[41,341,73],{},[75,343],{"el":344,"networks":78},"618e283",[103,346,351],{"el":347,"to":106,"res":348},"4314a5bd",{"tag":24,"class":349,"type":34,"widget":109,"container":36,"lead":350},"elementor-element elementor-element-4314a5bd elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":111},[41,352,114],{},{"title":85,"searchDepth":354,"depth":354,"links":355},2,[],true,"2023-09-04","Comment pouvez-vous procéder à l’achat d’obligations d’épargne? Pour en savoir plus sur la démarche à effectuer, poursuivez votre lecture.",null,"1002","md","https:\u002F\u002Flivsta.ca\u002Fconseils-finance-blogue\u002Fcomment-acheter-obligations-epargne-quebec\u002F",{},"\u002Fimages\u002F2023\u002F09\u002FheaderBlogueObligationsEpargneQuebec.jpg","Comment acheter des obligations d’épargne du Québec? | Livsta","\u002Fconseils-finance-blogue\u002Fcomment-acheter-obligations-epargne-quebec","follow, index, max-snippet:-1, max-video-preview:-1, max-image-preview:large",{"title":5,"description":358,"robots":367},"conseils-finance-blogue\u002Fcomment-acheter-obligations-epargne-quebec","W7al9kxSz_Ok-eiuaP8BhBpHsUv0P2-NtNI51a88Qek",1790345574021]