Invest

When you invest in Community Energy Development Co-operative, you support the development of renewable energy projects across Ontario, while diversifying your portfolio and earning strong financial returns on your investment.

CED Co-op invests in renewable energy projects, generating revenue by selling the electricity these projects produce to the grid through the Feed-In-Tariff (FIT) program. With 20-year electricity generation contracts, this revenue is stable and safe, delivering predictable returns for our investors.

In 2015 CED Co-op opened up our first offering statement, generating over $9.6 million of investment in solar energy projects. Following that success, we launched the $1,000 Bonds Series N1-5 to give investors a chance to add to their portfolio.

Stay tuned for our next investment opportunity sign up for our email newsletter to be among the first to know what’s coming next!

Investment FAQs

General FAQ

How do I make an e-transfer?

Every bank allows you to make an “Interac e-transfer” or “send money via email” from your account on their website to an email address. The specific actions and details will depend on you bank. Please contact us if you have any questions.

I'm moving out of Ontario. What happens to my CED Co-op investments?

Please notify us of any moves so we can keep your contact information up to date. You must be an Ontario resident in order to be a member of CED Co-op, so if you leave we will terminate your membership and refund your $10. You can maintain your current investments in CED Co-op, but will only be able to invest more if the next offering allows investment by non-members.

Convertible Debentures

When was my “Convertible Debenture” investment converted into Preferred Class A Shares?

All Debentures were converted over prior to May 1, 2015.

How and when is my dividend paid out to me?

The Co-op Board decides when dividends are distributed. The Board reviews the overall financial performance of the Co-op (and after paying out the Bond investment commitments), then a dividend may be declared and mailed to you by cheque. It is anticipated a dividend may be “declared” in 2016 pending the timing of getting the solar projects connected in 2015-16.  You will receive a T5 tax form recording the dividend paid out each year. You simply submit this form with your annual tax filing.

Registered Investments and Transfers

What happens when I receive payments as bonds mature?

Payments for registered investments are made in cash into your CWCF registered account. This money can be withdrawn (a $50 fee applies), moved to a registered account with another organization (a $50 fee applies), or transferred to another investment within the CWCF. Currently you can invest in CED Co-op Bonds Series N1-5, or contact CWCF to learn about other investment opportunities.

Can I transfer a non-registered account with CED Co-op to a new registered account with CWCF?

Yes, you can transfer your investment with CED Co-op to a new registered account with the Canadian Worker Co-op Federation (CWCF). The CWCF will charge a $50 fee for this transaction. Please contact us for more information.

When will my cheque (or transfer of my RRSP monies) be applied to my new Self Directed RRSP account?

Due to the great success and volume of investments we have received, we are finding it takes approximately 4-6 weeks to process the cheques and transfers. You will receive a statement from CWCF in the mail for your records. You can always reach us toll free at 1- 855-274-6890 to answer any questions you may have.

When will I receive a statement from CWCF?

CWCF produces their statements on September 16th each year (this date is based on their own internal audit, not a reflection of your CED Co-op investments). They will issue an account statement annually at this time.

5-Year Bonds N1-5 Investments

Can I invest in one type of account, then transfer it to another at a later date?

Yes, you can always transfer your investment to a different account. Please contact us in order to set this up: invest@cedco-op.com 1-855-274-6890

When will my interest be paid out and how?

Interest will be paid out to you annually for each of the 5 years in the form of a cheque mailed to you directly.

Is my investment guaranteed or protected?

Similar to a mutual fund, this is not a guaranteed investment, nor is it protected under CDIC. The Co-op’s solar projects have Feed-In Tariff contracts backed by the Provincial Government through the Independent Electrical Systems Operator, for 20 years. The Co-op carries business interruption insurance to offset losses that may occur due to mechanical or weather accidents. Your Bond is also paid out prior to the Preferred Class A Shares.

Can I transfer my investment to someone else?

Yes, you can transfer an investment to another person. The transfer must first be approved by the Board of Directors and is subject to a $75 transfer fee.

Can I gift bonds to a child?

No, our bonds cannot be gifted to a new or minor child. Membership in CED Co-op is restricted to residents of Ontario 16 years of age and older. In order to invest in CED Co-op, members must be 18 years of age and older.

5-Year Bonds M1-5 Investments

When will my interest be paid out and how?

Interest will be paid out you annually for each of the 5 years in the form of a cheque mailed to you directly.

Is my investment guaranteed?

The Co-op’s solar projects have Feed-In Tariff contracts backed by the Provincial Government through the Independent Electrical Systems Operator,  for 20 years. The Co-op carries business interruption insurance to offset losses that may occur due to mechanical or weather accidents. Your Bond is also paid out prior to the Preferred Class A Shares.

Can I transfer my investment to someone else?

Yes, you can transfer an investment to another person. The transfer must first be approved by the Board of Directors and is subject to a $75 transfer fee.

Can I gift bonds to a child?

No, our bonds cannot be gifted to a new or minor child. Membership in CED Co-op is restricted to residents of Ontario 16 years of age and older. In order to invest in CED Co-op, members must be 18 years of age and older.

20-Year Bonds L1-4 Investments

When will my interest be paid out and how?

Interest will be calculated each year and re-invested to compound your returns. You will receive a T5 form for the interest earned each year to be submitted with your annual return (only outside of an RRSP). The 20 Year Bond will have four (4) payouts in the 8th, 12th, 16th and 20th year. These four payments will be in the form of cheques mailed to you personally.

If I am holding the 20-year compounding Bonds outside of an RRSP, will I need to claim the interest accruing in my investment?

Yes, you will receive a T5 form for the interest earned each year to be submitted with your annual return (only outside of an RRSP).

Is my investment guaranteed?

The Co-op’s solar projects have Feed-In Tariff contracts backed by the Provincial Government through the Independent Electrical Systems Operator,  for 20 years. The Co-op carries business interruption insurance to offset losses that may occur due to mechanical or weather accidents. Your Bond is also paid out prior to the Preferred Class A Shares.

Can I transfer my investment to someone else?

Yes, you can transfer an investment to another person. The transfer must first be approved by the Board of Directors and is subject to a $75 transfer fee.

Can I gift bonds to a child?

No, our bonds cannot be gifted to a new or minor child. Membership in CED Co-op is restricted to residents of Ontario 16 years of age and older. In order to invest in CED Co-op, members must be 18 years of age and older.

20-Year Class A Preferred Shares

How and when will my dividend be paid out to me?

The Co-op Board decides when dividends are distributed. The Board reviews the financial performance of the projects and after paying out the Bond Investors, then a dividend may be declared and mailed to you by cheque. You will receive a T5 tax form recording the dividend paid out each year. You simply submit this form with your annual tax filing.

What is the difference between “interest” and “dividend” income?

To put it simply, interest is the fee you get for loaning money to the co-op/ bank / government / company / person or whomever you lend it to.  A dividend is the money that a company/ co-op pays out to its owners/ members.

Is the 9% suggested rate of return guaranteed?

The Co-op’s solar projects have secured Feed-In Tariff Contracts backed by the Provincial Government through the Independent Electrical Systems Operator, for 20 years. The Co-op carries business interruption insurance to offset losses that may occur due to mechanical or weather accidents. The Board reviews the financial performance of the projects and after paying out the Bond Investors, then a dividend may be declared and mailed to you by cheque. This process sets the return rate for your investment so it may fluctuate less or more than our estimated 9% return (no guarantees).

Can I transfer my shares to someone else?

Yes, you can transfer shares to another person. The transfer must first be approved by the Board of Directors and is subject to a $75 transfer fee.

Can I gift shares to a child?

No, our shares cannot be gifted to a new or minor child. Membership in CED Co-op is restricted to residents of Ontario 16 years of age and older. In order to invest in CED Co-op, members must be 18 years of age and older.