Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
The Desjardins Perspectives Plus 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: February 9, 2012
Issue date (investment agreement) |
Term
|
Initial index level |
Index level |
Cumulative appreciation
(note 2)
|
|
|---|---|---|---|---|---|
September 13, 2008 |
3.5 years
|
100.00
|
94.64
|
0.0%
|
|
September 14, 2008 |
5 years
|
100.00
|
88.35
|
0.0%
|
|
September 15, 2008 |
7 years
|
100.00
|
79.32
|
0.0%
|
|
June 15, 2008 |
5 years
|
100.00
|
90.94
|
0.0%
|
|
June 17, 2008 |
7 years
|
100.00
|
82.84
|
0.0%
|
|
March 16, 2008 |
5 years
|
100.00
|
90.82
|
0.0%
|
|
March 17, 2008 |
7 years
|
100.00
|
82.91
|
0.0%
|
|
January 18, 2008 |
5 years
|
100.00
|
91.65
|
0.0%
|
|
January 20, 2008 |
7 years
|
100.00
|
83.98
|
0.0%
|
|
November 16, 2007 |
5 years
|
100.00
|
92.81
|
0.0%
|
|
November 18, 2007 |
7 years
|
100.00
|
85.19
|
0.0%
|
|
September 14, 2007 |
5 years
|
100.00
|
92.31
|
0.0%
|
|
September 16, 2007 |
7 years
|
100.00
|
84.85
|
0.0%
|
|
June 15, 2007 |
5 years
|
100.00
|
94.80
|
0.0%
|
|
June 17, 2007 |
7 years
|
100.00
|
88.05
|
0.0%
|
|
March 16, 2007 |
5 years
|
100.00
|
94.84
|
0.0%
|
|
March 18, 2007 |
7 years
|
100.00
|
88.26
|
0.0%
|
|
January 21, 2007 |
7 years
|
100.00
|
88.05
|
0.0%
|
|
November 10, 2006 |
5.5 years
|
100.00
|
92.68
|
0.0%
|
|
November 13, 2006 |
7 years
|
100.00
|
87.40
|
0.0%
|
|
September 8, 2006 |
5.5 years
|
100.00
|
92.85
|
0.0%
|
|
September 10, 2006 |
7 years
|
100.00
|
87.01
|
0.0%
|
|
June 18, 2006 |
7 years
|
100.00
|
88.22
|
0.0%
|
|
March 24, 2006 |
7 years
|
100.00
|
89.35
|
0.0%
|
|
January 22, 2006 |
7 years
|
100.00
|
88.82
|
0.0%
|
|
November 20, 2005 |
7 years
|
100.00
|
89.42
|
0.0%
|
|
September 12, 2005 |
7 years
|
100.00
|
90.12
|
0.0%
|
|
June 18, 2005 |
7 years
|
100.00
|
89.33
|
0.0%
|
|
March 26, 2005 |
7 years
|
100.00
|
90.24
|
0.0%
|
|
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.
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