Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
The Desjardins Alternative Guaranteed Investment ensures holders that their capital is completely protected, regardless of market performance. The return potential linked to this product is based on an investment strategy which relies partially on
hedge funds. Strong market upheavals in the last quarter of 2008 led to a strong drop in prices. Standard protocol had to be applied, which provides for the complete withdrawal of the amounts invested in hedge funds.
This divestiture means that, at maturity, the investments will generate no return for holders. Your principal remains entirely guaranteed at maturity, even if the index level fluctuates. Products with an initial term greater than 5 years will be redeemable upon request as of 5 years from the date of purchase, as outlined in your deposit agreement. Please contact your advisor or financial planner for more information.
Monthly update
Last update: November 5, 2009
Issue date (agreement) |
Term
|
Initial index level |
Index level |
Cumulative appreciation
(note 2)
|
Maximum appreciation at maturity
(note 4)
|
|---|---|---|---|---|---|
September 12, 2008 |
5 years
|
100.00
|
80.19
|
0.0%
|
Unlimited
|
September 14, 2008 |
7 years
|
100.00
|
69.43
|
0.0%
|
Unlimited
|
June 13, 2008 |
5 years
|
100.00
|
83.41
|
0.0%
|
Unlimited
|
June 16, 2008 |
7 years
|
100.00
|
73.89
|
0.0%
|
Unlimited
|
March 14, 2008 |
5 years
|
100.00
|
83.58
|
0.0%
|
Unlimited
|
March 16, 2008 |
7 years
|
100.00
|
74.80
|
0.0%
|
Unlimited
|
January 18, 2008 |
5 years
|
100.00
|
83.77
|
0.0%
|
Unlimited
|
January 20, 2008 |
7 years
|
100.00
|
75.63
|
0.0%
|
Unlimited
|
November 16, 2007 |
5 years
|
100.00
|
84.42
|
0.0%
|
Unlimited
|
November 18, 2007 |
7 years
|
100.00
|
76.68
|
0.0%
|
Unlimited
|
September 14, 2007 |
5 years
|
100.00
|
83.93
|
0.0%
|
Unlimited
|
September 16, 2007 |
7 years
|
100.00
|
75.97
|
0.0%
|
Unlimited
|
June 15, 2007 |
5 years
|
100.00
|
88.91
|
0.0%
|
Unlimited
|
June 17, 2007 |
7 years
|
100.00
|
82.53
|
0.0%
|
Unlimited
|
March 16, 2007 |
5 years
|
100.00
|
90.84
|
0.0%
|
Unlimited
|
March 18, 2007 |
7 years
|
100.00
|
84.83
|
0.0%
|
Unlimited
|
January 19, 2007 |
5 years
|
100.00
|
90.58
|
0.0%
|
Unlimited
|
January 21, 2007 |
7 years
|
100.00
|
84.37
|
0.0%
|
Unlimited
|
November 10, 2006 |
5.5 years
|
100.00
|
88.64
|
0.0%
|
Unlimited
|
November 13, 2006 |
7 years
|
100.00
|
83.62
|
0.0%
|
Unlimited
|
September 8, 2006 |
5.5 years
|
100.00
|
89.08
|
0.0%
|
Unlimited
|
September 10, 2006 |
7 years
|
100.00
|
83.95
|
0.0%
|
Unlimited
|
June 16, 2006 |
5.5 years
|
100.00
|
90.09
|
0.0%
|
Unlimited
|
June 18, 2006 |
7 years
|
100.00
|
85.54
|
0.0%
|
Unlimited
|
March 23, 2006 |
5.5 years
|
100.00
|
90.82
|
0.0%
|
Unlimited
|
March 23, 2006 |
7 years
|
100.00
|
86.23
|
0.0%
|
Unlimited
|
January 20, 2006 |
5.5 years
|
100.00
|
90.99
|
0.0%
|
Unlimited
|
January 21, 2006 |
7 years
|
100.00
|
86.14
|
0.0%
|
Unlimited
|
November 18, 2005 |
5.5 years
|
100.00
|
92.51
|
0.0%
|
Unlimited
|
November 19, 2005 |
7 years
|
100.00
|
88.23
|
0.0%
|
Unlimited
|
September 9, 2005 |
5.5 years
|
100.00
|
92.67
|
0.0%
|
Unlimited
|
September 11, 2005 |
7 years
|
100.00
|
88.34
|
0.0%
|
Unlimited
|
June 17, 2005 |
5.5 years
|
100.00
|
92.54
|
0.0%
|
Unlimited
|
June 15, 2005 |
7 years
|
100.00
|
87.59
|
0.0%
|
Unlimited
|
March 26, 2005 |
5.5 years
|
100.00
|
93.91
|
0.0%
|
Unlimited
|
March 25, 2005 |
7 years
|
100.00
|
89.12
|
0.0%
|
Unlimited
|
January 14, 2005 |
5.5 years
|
100.00
|
91.25
|
0.0%
|
Unlimited
|
January 13, 2005 |
7 years
|
100.00
|
85.60
|
0.0%
|
Unlimited
|
November 12, 2004 |
5.5 years
|
100.00
|
90.64
|
0.0%
|
Unlimited
|
November 11, 2004 |
7 years
|
100.00
|
84.90
|
0.0%
|
Unlimited
|
September 3, 2004 |
5.5 years
|
100.00
|
90.90
|
0.0%
|
Unlimited
|
September 2, 2004 |
7 years
|
100.00
|
84.81
|
0.0%
|
Unlimited
|
June 11, 2004 |
5.5 years
|
100.00
|
92.35
|
0.0%
|
Unlimited
|
June 12, 2004 |
7 years
|
100.00
|
86.83
|
0.0%
|
Unlimited
|
March 18, 2004 |
7 years
|
100.00
|
87.92
|
0.0%
|
Unlimited
|
January 18, 2004 |
7 years
|
100.00
|
85.89
|
0.0%
|
Unlimited
|
November 16, 2003 |
7 years
|
100.00
|
85.92
|
0.0%
|
Unlimited
|
September 13, 2003 |
7 years
|
100.00
|
85.82
|
0.0%
|
Unlimited
|
June 14, 2003 |
7 years
|
100.00
|
86.61
|
0.0%
|
Unlimited
|
March 16, 2003 |
7 years
|
100.00
|
87.40
|
0.0%
|
Unlimited
|
2. The indicated percentage represents the appreciation of the index in relation to its initial level. This appreciation takes into account the characteristics of each indexed term savings product: it was raised for issues with a participation rate over 100%, and also considers participation rates that are lower than the index growth, if applicable. The appreciation also takes into account, if applicable, the annual higher and lower limits stipulated in the deposit agreement. Your capital is guaranteed but the return may be nil. The return indicated (not expressed as an annual compound return) illustrates the trends of the various issues.
4. Maximum appreciation at maturity: certain issues have ceilings that determine the maximum amount you may receive at maturity.
5. This term savings has matured. The indicated return (not expressed as an annual compund return) is guaranteed and the interest has been paid to you.
Copyright © 1996-2009, Fédération des caisses Desjardins du Québec. All rights reserved.