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Redeeming shares after 7 years

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The minimum required holding period for CRCD’s shares is seven years to the day from the date of purchase. For that reason, share purchases should be considered as a long-term investment.

When you request a share redemption after the mandatory seven-year holding period, you may no longer claim a tax credit for the current tax year or in any subsequent tax year, for a subscription or a share conversion.

Consequently, if you request a redemption of your shares during the 2018 issue, you will not be able to claim the tax credit for the 2018 tax year and subsequent years.

At the date your shares become eligible for redemption, you can choose to keep them or to redeem them. A caisse advisor can help you make your decision based on your investment profile and your plans.

Requesting the redemption of shares held for at least 7 years...

  1. Contact your caisse. The authorized employee will be able to tell you about the different options open to you. Requests for redemption may be made in person at the caisse, by mail or by fax.
  2.  Fill out and sign the redemption instruction form.
  3.  You can choose to have your payment deposited directly to your account or receive a cheque by mail.

For a list of caisses