Enhanced Return Guaranteed Investment

Current issue in effect until June 30, 2012

Quick facts

  • Main feature: secure, capital 100% guaranteed
  • Minimum deposit: $500
  • Terms: 3.5 years, 5 years or 6 years
  • Redemption terms: cashable or convertible for terms of 5 years or more (some conditions apply1)
  • Returns: interest paid at maturity2
Get this product Becoming a member
 

Who should get this investment?

Investors who want a minimum interest income guaranteed each year. The Desjardins Enhanced Return Guaranteed Investment is ideal if you want to get an attractive return potential from dynamic keystone industries while protecting your capital from exchange rate fluctuations.

Features

Security
Returns
  • Cumulative appreciation:
    • Guaranteed minimum interest rate of 2.0% (3.5 years), 5% (5 years) and 7% (6 years), for a minimum annual compound rate of 0.57% (3.5 years), 0.98% (5 years) and 1.13% (6 years).
    • Maximum interest rate of 10% (3.5 years), 20% (5 years) and 27% (6 years), for a maximum annual compound rate of 2.76% (3.5 years), 3.71% (5 years) and 4.06% (6 years).
  • Interest paid at maturity2.
  • Potential higher returns through dynamic keystone industries: financial services, consumer staples and health care.
  • Linked to a portfolio of 8 stocks selected from the largest Canadian financial companies or a portfolio of 10 stocks selected from major international companies in the consumer staples and health care industries.
  • Protects you against exchange rate fluctuations.

See returns
Example of how the return is calculated (PDF, 26 KB)
Eligible for these plans
  • Registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF and RDSP.
  • Non-registered plans.
Income taxation
  • At maturity if non-registered investment3.
Other
  • No commission or administration fees.
  • Eligible for potential member dividends.

Options available

Click on a category to display or hide the related topics.

Financial Services

This product is intended for those who want to capitalize on the Canadian sector's growth, while knowing their capital is 100% guaranteed.

Here are the 8 stocks along with their stock exchanges and currencies. Each security is equally weighted in the portfolio. (The caisse makes no claim about future movements in the price of the stocks.)

Security
Stock exchange
Currency
S1: Royal Bank of Canada
Toronto
Canadian dollars
S2: Bank of Nova Scotia
Toronto
Canadian dollars
S3: CIBC
Toronto
Canadian dollars
S4: Bank of Montreal
Toronto
Canadian dollars
S5: Toronto-Dominion Bank
Toronto
Canadian dollars
S6: Intact Financial Corp.
Toronto
Canadian dollars
S7: Sun Life Financial Inc.
Toronto
Canadian dollars
S8: Great-West Lifeco Inc.
Toronto
Canadian dollars

Fact sheet and current issue investment agreements:


Consumer Staples

This product is intended for members who want to capitalize on the foreign sector's growth (60% American and 30% overseas), while knowing their capital is 100% guaranteed.

Here are the 10 securities along with their stock exchanges and currencies. Each security is equally weighted in the portfolio. (The caisse makes no claim about future movements in the price of the stocks.)

Security
Stock exchange
Currency
S1: Unilever NY
Amsterdam
Euros
S2: Proctor & Gamble Co.
New York SE
U.S. dollars
S3: Nestlé SA
SIX Suisse
Euros
S4: Kraft Foods inc.
New York SE
U.S. dollars
S5: Kimberly-Clark Corp.
New York SE
U.S. dollars
S6: Tesco plc
London SE
Pound sterling
S7: Coca-Cola Co.
New York SE
U.S. dollars
S8: H.J. Heinz Company
New York SE
U.S. dollars
S9: ConAgra Foods inc.
New York SE
U.S. dollars
S10: Danone SA
Paris
Euros

Fact sheet and current issue investment agreements:


Health Care

This product is intended for members who want to capitalize on the foreign sector's growth (50% American and 50% overseas), while knowing their capital is 100% guaranteed.

Here are the 10 securities along with their stock exchanges and currencies. Each security is equally weighted in the portfolio. (The caisse makes no claim about future movements in the price of the stocks.)

Security
Stock exchange
Currency
S1: Merck & Co. Inc.
New York SE
U.S. dollars
S2: Novartis AG
SIX Suisse
Swiss francs
S3: Sanofi-Aventis SA
Paris
Euros
S4: GlaxoSmithKline plc
London SE
Pound sterling
S5: Roche Holding AG
SWX Europe
Swiss francs
S6: Johnson & Johnson
New York SE
U.S. dollars
S7: Pfizer Inc.
New York SE
U.S. dollars
S8: Takeda Pharmaceutical Company Limited
Tokyo SE
Japanese yen
S9: Bristol-Myers Squibb Co.
New York SE
U.S. dollars
S10: Abbott Laboratories
New York SE
U.S. dollars

Fact sheet and current issue investment agreements:


 
How to get this product
By phone By phone
(Members)
Call 1-888-283-8333
At the branch At the branch
Make an appointment with an advisor at a branch.

1. Cash or conversion value may be greater or less than the capital. Conversion value is greater than cash value because of a member loyalty bonus.
2. Return based on stock market performance may be nil at maturity. However, your capital and the annual minimum return are guaranteed.
3. Except interest paid before the issue date and the annual guaranteed return, which is taxed annually.

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