Desjardins Funds-Linked Guaranteed Investment Portfolio

Note

The Desjardins Funds-Linked Guaranteed Investment Portfolio is now available in 3 profiles: Stock Market Secure, Balanced Income and Balanced Growth. It is customized tool that stabilizes your portfolio before retirement. See your advisor for more information.

Current issue in effect until June 30, 2012

Who should get this investment?

Investors who want to protect a portion of their assets as they near retirement. The Desjardins Funds-Linked Guaranteed Investment Portfolio is ideal if you want an investment with unlimited return potential.

Features

Security	Protected by deposit insurance. Capital 100% guaranteed.
Returns	Unlimited return potential2. Linked to Desjardins Funds performance. Management fees are included in calculating returns. Interest paid at maturity2. See returns Example of how the return is calculated (PDF, 14 KB)
Eligible for these plans	Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP. Non-registered accounts.
Income taxation	At maturity if non-registered investment3.
Other	Eligible for potential member dividends. Find out more about member dividends.

Options available to suit your investor profile

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

Stock Market Secure

You are looking for regular returns and are ready to invest a small portion of your assets in the stock market on the condition that your capital is protected.

Desjardins Funds	Portfolio composition
Fixed income (74%)
Desjardins Short-Term Income Fund	23%
Desjardins Canadian Bond Fund	32%
Desjardins Enhanced Bond Fund	19%
Growth (21%)
Desjardins Canadian Equity Growth Fund	9%
Desjardins American Equity Value Fund	6%
Desjardins Overseas Equity Growth Fund	6%
Alternative (5%)
Desjardins Completion Investments Fund	5%
Total	100%

Fact sheet and current issue investment agreement:

• Fact sheet: Desjardins Funds-Linked Guaranteed Investment Portfolio (PDF, 197 KB)
• Desjardins Funds-Linked Guaranteed Investment Portfolio (6 years) (PDF, 110 KB)

Balanced Income

Your tolerance to market fluctuations varies from low to moderate and you want both stable returns and capital growth on a limited portion of your portfolio.

Desjardins Funds	Portfolio composition
Fixed income (55%)
Desjardins Short-Term Income Fund	12%
Desjardins Canadian Bond Fund	23%
Desjardins Enhanced Bond Fund	20%
Growth (36%)
Desjardins Canadian Equity Growth Fund	14%
Desjardins American Equity Value Fund	11%
Desjardins Overseas Equity Growth Fund	11%
Alternative (9%)
Desjardins Completion Investments Fund	9%
Total	100%

Fact sheet and current issue investment agreement:

• Fact sheet: Desjardins Funds-Linked Guaranteed Investment Portfolio (PDF, 197 KB)
• Desjardins Funds-Linked Guaranteed Investment Portfolio - Balanced Income (6 years) (PDF, 110 KB)

Balanced Growth

You have a moderate level of tolerance to market fluctuations and are seeking equal shares of fixed income and growth securities.

Desjardins Funds	Portfolio composition
Fixed income (48%)
Desjardins Canadian Bond Fund	21%
Desjardins Enhanced Bond Fund	27%
Growth (42%)
Desjardins Canadian Equity Growth Fund	15%
Desjardins American Equity Growth Fund	14%
Desjardins Overseas Equity Value Fund	13%
Alternative (10%)
Desjardins Completion Investments Fund	10%
Total	100%

Fact sheet and current issue investment agreement:

• Fact sheet: Desjardins Funds-Linked Guaranteed Investment Portfolio (PDF, 197 KB)
• Desjardins Funds-Linked Guaranteed Investment Portfolio - Balanced Growth (6 years) (PDF, 110 KB)

	At a Desjardins Business Centre	Make an appointment with an account manager at a Desjardins Business Centre.
	At the caisse	Make an appointment with a caisse advisor: online by phone

Deposit insurance

Desjardins caisses in Quebec are registered with the Autorité des marchés financiers, in conformity with the terms of the Deposit Insurance Act. In Ontario, deposits in registered savings plans are insured for their total amount by the Deposit Insurance Corporation of Ontario. Other deposits in Canadian dollars are insured up to $100,000. To find out more, visit the websites of the l'Autorité des marchés financiers and the Deposit Insurance Corporation of Ontario (DICO).

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. An unlimited return potential is a feature of this product. However, the Desjardins Funds-based return could be nil at maturity. Management fees are included in calculating returns. Your capital is always guaranteed at maturity.
3. Except for interest paid before the issue date.