To value and nurture the best of Québec entrepreneurship

Buying Shares

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2019 share issue

  • Invest up to $3,000.
  • Receive a 35% Quebec tax credit ($1,050 max.).
  • Help drive the growth and sustainability of local companies.
  • Fill out the pre-susbcription form from September 3 to 23, 2019.

Acquisition process

As in previous years, subscription for the 2019 issue of shares will be done through a random selection process if the demand exceeds $140 million.

If the demand for the shares is less than $140 million, all investors who have completed the form will be able to obtain shares.

Pre-subscription

The pre-subscription period will be from September 3 (9 am) to September 23, 2019 (5 pm).

Interested investors must complete an application for a pre-subscription using the secure web form that will be available on this page or in AccèsD.

Email notification
People who do not want to miss the pre-subscription period can sign up for an email notification right away.

Subscription (selected investors only)

The investors selected first will be able to subscribe to the shares from September 30 to November 8, 2019.

New in 2019
If you are selected and have joined AccèsD, you will be able to subscribe online, even if you are not already a CRCD shareholder.

For financial advice or support, remember that your caisse advisor is always there for you.

Product features

  • Available to all Québec taxpayers (deemed residents of Québec as at December 31 for tax purposes), members of Desjardins or not
  • Minimum annual purchase of $500 (and in units of $100 after that) up to $3,000
  • Non-refundable tax credit in Québec of 35% of the amount invested
  • Tax credit may be transferred between spouses, but not carried forward to a subsequent tax year
  • Seven-year holding period
  • Investment is independent of workers’ funds (which means investors can subscribe for shares in a workers’ fund as well as shares of CRCD)
  • Not eligible for TFSAs, RRSPs, RRIFs or any other registered plan
  • Return not guaranteed, potential capital gain or loss on redemption
  • On redemption, loss of tax credit on any new subscription
  • Administrative charges of $50 (taxes included) are payable on account opening and closing

Investment advantages

  • You have a high taxable income
  • Your RRSP no longer gives you income tax savings
  • You are looking for ways to reduce your tax bill
  • You want to diversify your portfolio
  • You want an attractive tax credit and long-term return potential
  • You are interested in contributing to the growth and continuity of Québec companies and cooperatives

CRCD shares are not guaranteed, their value fluctuates and their past performance is not indicative of their future returns. Investment fees may apply. Please read the prospectus before investing.