Natural Resource Guaranteed Investment

Current issue in effect until March 31, 2012

Who should get this investment?

Investors with diversified portfolios. The Natural Resource Guaranteed Investment is ideal if you want to invest in the international natural resources market while protecting your money from exchange rate fluctuations.

Features

Security	Protected by deposit insurance. Capital 100% guaranteed.
Returns	Based on the price variations of natural resources: energy, industrial metals, precious metals and agricultural commodities. Return paid at maturity for the 5-year term will be equal to the index growth2 (maximum appreciation of 35% for each commodity, that is a maximum annual compound rate of 6.19%. Interest paid at maturity2. Protection against exchange rate fluctuations. See returns Example of how the return is calculated (PDF, 32 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 investment is non-registered3.
Other	No commission or administration fees. Eligible for potential member dividends. Find out more about member dividends. Invest indirectly in the growth of BRIC economies (Brazil, Russia, India and China).

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	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. The return may be nil at maturity.
3. Except interest paid before the issue date.