Powerful Investing
Made Simple
Generate income from stocks with downside protection
Generate income from stocks
with downside protection
Why Invest with Epic Notes?
Protective Investing
Markets go up and down. The best way to protect your future is to have the benefits of market growth, while planning for the worst. It means setting goals and building a portfolio with the best chance of success.
Opt-in Strategy
Only purchase the notes you want. Our clients have the choice of opt-in or full service management.
Selection Transparency
Designed to ensure that the underlying stocks have technical and fundamental characteristics which are expected to minimize the likelihood of significant price decline.
Issued by Major Banks
Epic Notes works exclusively with major banks, such as J.P. Morgan, Goldman Sachs, Barclays, Morgan Stanley, Bank of America, Bank of Montreal, Société Générale, HSBC, Credit Agricole, BNP Paribas, Citi, CIBC, TD, UBS, RBC, Jefferies, BBVA, and National Bank of Canada.
Same Day Execution
Short Durations
FAQs
Epic Notes is our brand for a financial instrument called structured notes. These are debt securities with a derivative component issued by financial institutions. The performance of a structured note is linked to an underlying asset class.
Epic Notes are designed to produce monthly income. Our strategy is to use stocks as the underlying asset while incorporating downside protection to mitigate risk.
Epic Notes provide a return that is linked to an underlier. Some examples are equities, equity indexes and ETFs (Exchange Traded Funds).
Any type of account with a major custodian, including: Charles Schwab, Pershing, LPL Financial, and others.
Yes. Clients can use Epic Notes to complement their overall investment strategy.
If you hold Epic Notes to maturity and all the underliers are above the downside protection, you will receive your principal investment, plus your last coupon payment. If any of the underliers are below the downside protection, your principal returned will be based on where the lower performer lands at maturity.
If your Epic Notes are called before maturity you will receive your principal investment, plus the last coupon payment.
Yes. However, as with any debt instrument you can potentially lose a portion of your principal if sold before maturity. We recommend clients have the mindset of holding their Epic Notes to maturity.
Epic Notes could miss a monthly coupon payment if any of the underliers fall below the downside protection level on the observation date.
Epic Notes can pay a missed monthly coupon payment if all of the underliers are above the downside protection level on the observation date. This is achieved using our memory feature.
J.P. Morgan, Goldman Sachs, Barclays, Morgan Stanley, Bank of America, BNP Paribas, Bank of Montreal, Societe Generale, HSBC, Credit Agricole, Citi, CIBC, TD, RBC, Jeffries, BBVA and National Bank of Canada
Epic Notes is our brand for a financial instrument called a structured note. Structured notes come with various investment risk, including:
Market Risk: The value of the underlying equity can fluctuate significantly, impacting the return of the bond.
Credit Risk: If the issuer of the note faces financial difficulties, it may default, leading to potential loss of principal.
Liquidity Risk: These instruments may not be easily tradable, making it hard to sell them without a loss in value.
Interest Rate Risk: Changes in interest rates can affect the overall attractiveness of the bond, impacting its price.
Yes. The primary factor that will cause the price in statements to fluctuate is the performance of the lower returning stock. All three stocks will contribute to the pricing in statements and interest rates as well as volatility will also have somewhat of an impact, but your coupon payments and principal risk are all tied to the lower performing stock so the pricing in statements is largely dictated off what that stock is doing. If the lower performing stock is flat or up, you should be seeing the note pricing close to par or maybe even slightly above par. If the lower performing stock is down slightly, you may see a slight discount in statements, but the price should still be close to par. If the lower performer is down moderately to substantially, that will drag down the pricing in statements.
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