Retirement

You are eligible if:

• You are between 45* and 64 years of age;
• You have contributed to the Québec Pension Plan for at least one year;
• You are already retired;
• You have owned your shares for at least 730 days.

*You can redeem your Fonds shares as of age 45 provided you collect retirement benefits under an employer’s pension plan.

You can request a redemption as soon as you are entitled to pension benefits even if you are still working. However, you must retire within three months after we receive your request.

The Fonds can redeem all shares held for at least 730 days.

Share price is usually published around January 5 and July 5. Shares redeemed after these dates are redeemed at the share price then in effect.

However, there is a transition period between the end of each six-month period and the date the share price is published:

• between November 30 and January 5;

and

• between May 31 and July 5.

Please refer to the simplified prospectus or contact Shareholder Services to find out the options available to you if your retirement redemption request is submitted during one of these transition periods and you retire during a transition period or within three months after the end of a transition period.

However, no tax is withheld if you transfer your Fonds RRSP to another plan such as another RRSP, an annuity or a Registered Retirement Income Fund (RRIF).

If you provide all the required documents, your request will be processed within 30 days from the time the Fonds receives your request.

While you can purchase Fonds shares again after a redemption for retirement, you will not be entitled to any tax credit.