Quebec Investment Immigration Do all certificates of deposit need to be declared?

Not necessarily. The immigration agency will arrange the assets according to your actual situation. Some of them are fixed assets (real estate, stocks, company shares, etc.) and some are current assets, that is, bank deposits. The sum of fixed assets and current assets is sufficient to exceed the requirements of the Canadian government.

To put it simply, after the agency evaluates your situation and completes the immigration plan for you, you can save as much as you are told, and there is no need to save more.