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Zenitude - Dynamic Guaranteed Portfolio

Diversification for a comprehensive investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to market growth
  • Industry sector and global diversification
  • Higher rate for investments of $25,000 or more
  • Minimum deposit: $1,000

As its name suggests, the Zenitude - Dynamic Guaranteed Portfolio provides peace of mind. Your investment is protected and you may benefit from higher returns linked to market growth.

Since it is well-diversified, it is a comprehensive investment of choice. Easy to track, it gives you exposure to stock markets without risking your peace of mind.

Security

Returns

  • Variable return linked to market growth1
  • Higher rate of participation for investments of $25,000 to $249,999 (110% for 3-year term and 115% for 5-year term)
  • Higher rate of participation for investments of $250,000 or more (120% for 3-year term and 130% for 5-year term)
  • No commission or administration fees
  • Return paid at maturity1

See returns

Example of how the return is calculated (PDF, 31 KB)

Eligible for these plans

  • Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP
  • Non-registered plans

Income taxation

Non-registered plans:

  • Annually, for guaranteed return
  • At maturity for variable return, if applicable

Redemption

  • Redeemable or convertible2

Other

  • Terms: 3 years, 5 years
  • Protection from exchange rate fluctuations
  • Eligible for potential member dividends
    Learn more about member dividends.

1. Variable returns may be nil at maturity. Your capital is guaranteed.

2. Redeemable or convertible once a year, after the 3rd year, during prescribed periods and in compliance with terms stipulated in the purchase agreement. Redemption or conversion value may be less than the capital invested. Conversion value is greater than redemption value because members continue to hold a Desjardins market-linked guaranteed investment.

You are comfortable with a variable return with potentially higher interest. Market growth decides your return and your capital is guaranteed at maturity.

Portfolio composition - Dynamic Zenitude Guaranteed Portfolio: Globally diversified basket, 75%; Canadian Index Guaranteed Investment, 15%; Emerging markets basket, 10%.

For details about portfolio composition see the fact sheet.

Geographic allocation - Dynamic Zenitude Guaranteed Portfolio: Australia, Brazil, Canada, China, Europe, India, Japan, Mexico, South Korea, United States.

For detailed product features, see the fact sheet and investment agreement.

Dynamic Zenitude Guaranteed Portfolio
Term Investment amount Fact sheet Investment agreement
3 years Less than $25,000 Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 73 KB)
$25,000 to $249,999 Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 74 KB)
$250,000 or more Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 74 KB)
5 years Less than $25,000 Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 83 KB)
$25,000 to $249,999 Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 83 KB)
$250,000 or more Fact sheet - Zenitude - Dynamic (PDF, 139 KB) Investment agreement - Zenitude - Dynamic (PDF, 83 KB)

Zenitude Guaranteed Portfolio is also available in 2 versions, Secure and Balanced, with a mininum guaranteed return. Learn more about the Zenitude Guaranteed Portfolio.

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