Global Equity Guaranteed Investment

Current issue in effect until March 31, 2012

Who should get this investment?

Long-term investors. The Global Equity Guaranteed Investment is ideal if you want to take advantage of long-term growth experienced by businesses favourably positioned to face the various impacts of climate change, while protecting your money from exchange rate fluctuations.

Features

Security	Protected by deposit insurance. Capital 100% guaranteed.
Returns	Improved performance through the diversification of securities by industry and by geographic area. Linked to a portfolio of 15 international large-cap corporations with no risk to capital. Guaranteed maximum return of 13% (3.5 years) and 25% (5 years) for a maximum annual compound yield of 3.55% (3.5 years) and 4.56% (5 years). Interest paid at maturity2. Protection against exchange rate fluctuations. See returns Example of how the return is calculated (PDF, 25 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.
Other	No commission or administration fees. Eligible for potential member dividends. Find out more about member dividends.

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Asset allocation

The distribution of securities by industry and geographical area creates a diversification that improves your portfolio's performance.

List

Following are the 15 international securities (common stock), their stock exchange and currency. All of the securities are equally weighted in the portfolio.
(The caisse makes no claim about future movements in the price of the securities.)

Security	Stock exchange	Currency
T1: ABB Ltd	SIX Suisse	Swiss franc
T2: Vestas Wind Systems	Copenhagen	Danish krone
T3: Compagnie de Saint-Gobain	Paris	Euro
T4: Linde AG	XETRA Frankfurt	Euro
T5: Siemens AG	XETRA Frankfurt	Euro
T6: Gdf Suez	Paris	Euro
T7: Veolia Environnement	Paris	Euro
T8: Sharp Corp.	Tokyo SE	Japanese yen
T9: Toyota Motor Corp.	Tokyo SE	Japanese yen
T10: Du Pont (E.I.) de Nemours	New York SE	U.S. dollars
T11: General Electric Co.	New York SE	U.S. dollars
T12: IBM Corp.	New York SE	U.S. dollars
T13: Johnson Controls Inc.	New York SE	U.S. dollars
T14: First Solar Inc.	Nasdaq	U.S. dollars
T15: Waste Management Inc.	New York SE	U.S. dollars

Fact sheet and current issue investment agreements

• Fact sheet: Global Equity Guaranteed Investment (PDF, 99 KB)
• Global Equity Guaranteed Investment (3.5 years) (PDF, 110 KB)
• Global Equity Guaranteed Investment (5 years) (PDF, 115 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. The return may be nil at maturity.
3. Except interest paid before the issue date.