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Global Equity Guaranteed Investment

Current issue in effect until March 31, 2012

Quick facts

  • Main feature: secure, capital 100% guaranteed
  • Minimum deposit: $500
  • Terms: 3.5 years or 5 years
  • Redemption terms: cashable or convertible for terms of 5 years or more (certain conditions, apply1)
  • Returns: interest paid at maturity2
Get this product 10 reasons to choose Desjardins
 

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
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 if non-registered investment3.
Other
  • No commission or administration fees.
  • Eligible for potential member dividends.
    Find out more about member dividends.

Asset allocation

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

Industry sector representation

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
 
How to get this product
Online Online
Fill out the form
 Guaranteed 100% Secure
By phone By phone
(Members)
Montreal area: 514-CAISSES (514-224-7737)
Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
At the caisse At the caisse
Make an appointment with a caisse advisor:

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.

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