Profile Guaranteed Investment Portfolio

Note

Looking for an investment that provides you with regular guaranteed income and capital preservation? Opt for the Desjardins Guaranteed Investment Portfolio – Retirement Income.

Current issue in effect until March 31, 2012

Who should get this investment?

Investors who want, with a single investment, to benefit from a range of stock market products while protecting their capital from exchange rate fluctuations.

Features

Security	Protected by deposit insurance. Capital 100% guaranteed.
Returns	Guaranteed annual minimum return. Potential higher returns than investments offered by financial markets2. Enhanced return if you invest $25,000 or more3. Protection from exchange rate fluctuations. Interest paid at maturity2. See returns Example of how the return is calculated (PDF, 29 KB)
Eligible for these plans	Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP. Non-registered plans.
Income taxation	At maturity if non-registered investment4.
Other	No commission or administration fees. 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.

Secure

You have no tolerance to market fluctuations and prefer to invest in products with pre-determined maturity dates and returns.

Fact sheet and current issue investment agreements:

• Fact sheet: Profile Guaranteed Investment Portfolio - Secure (PDF, 88 KB)
• Profile Guaranteed Investment Portfolio - Secure - Less than $25,000 (5 years) (PDF, 115 KB)
• Profile Guaranteed Investment Portfolio - Secure - $25,000 or more (5 years) (PDF, 115 KB)

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.

Fact sheet and current issue investment agreements:

• Fact sheet: Profile Guaranteed Investment Portfolio – Stock Market Secure (PDF, 86 KB)
• Profile Guaranteed Investment Portfolio - Stock Market Secure - Less than $25,000 (5 years) (PDF, 131 KB)
• Profile Guaranteed Investment Portfolio - Stock Market Secure - $25,000 or more (5 years) (PDF, 131 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.

Fact sheet and current issue investment agreements:

• Fact sheet: Profile Guaranteed Investment Portfolio - Balanced Income (PDF, 86 KB)
• Profile Guaranteed Investment Portfolio - Balanced Income - Less than $25,000 (5 years) (PDF, 130 KB)
• Profile Guaranteed Investment Portfolio - Balanced Income - $25,000 or more (5 years) (PDF, 130 KB)

Balanced Growth

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

Fact sheet and current issue investment agreements:

• Fact sheet: Profile Guaranteed Investment Portfolio - Balanced Growth (PDF, 86 KB)
• Profile Guaranteed Investment Portfolio - Balanced Growth - Less than $25,000 (5 years) (PDF, 130 KB)
• Profile Guaranteed Investment Portfolio - Balanced Growth - $25,000 or more (5 years) (PDF, 131 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. Return based on stock market performance may be nil at maturity. However, your capital and the annual minimum return are guaranteed.
3. Enhanced interest rate is applicable only on Term Savings portion.
4. Except interest paid before the issue date and the annual guaranteed return, which is taxed annually.