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Market-Linked Guaranteed Investments

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Available exclusively online
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Quick facts

Want to tap into the stock markets' growth potential without risking your capital? With market-linked guaranteed investments, you get:

  • Capital that's 100% guaranteed
  • A choice of 2, 3 and 5-year terms
  • 2 return options: guaranteed and variable1
  • Available exclusively online on AccèsD

What is a market-linked guaranteed investment (MLGI)? (1 min 40 s)

Description
MLGIs fit investors who are seeking both security and returns that are higher than the more familiar secure investments (GICs, term savings). They offer a 100% capital guarantee and variable return.

Want to protect your capital and enjoy good returns? Market-linked guaranteed investments are as safe as guaranteed investment certificates and term deposits, making them the perfect solution!

The main advantage of market-linked guaranteed investments is that their returns are variable and may exceed the posted rates on these types of investments2. Returns aren't known ahead of time because they're based on market performance. Market-linked guaranteed investments offer security, returns and flexibility in one investment.

Security

  • Capital 100% guaranteed at maturity
  • Covered by deposit insurance (FAQ).
  • Designed by our team of experts
  • Protect you against exchange rate fluctuations

Returns

  • Guaranteed return available, known at purchase for some investments
  • Variable returns option linked to market growth2
  • No commission or administration fees
  • Eligible for potential member dividends

See returns for previously issued MLGIs

Flexibility

  • Terms: 2, 3 or 5 years
  • Minimum deposit: $500
  • Eligible for registered plans (TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP) and non-registered plans
  • Stable monthly income option and annual interest payment options3
  • Redeemable or convertible if something unexpected happens4

2 types of market-linked guaranteed investments available:

Guaranteed investments with guaranteed and variable returns:

  • Your capital is 100% guaranteed at maturity
  • You'll get a guaranteed minimum return, even if the markets go down
  • You could also get a potential variable return linked to market growth

Learn more - about Guaranteed investments with guaranteed and variable returns

Guaranteed investments with potentially higher variable returns2:

  • Your investment is protected
  • Your entire return is based on how well the markets do, so it may even be higher!

Learn more - about Guaranteed investments with potentially higher variable returns

To find out which guaranteed investments are right for you, try our Guaranteed Investment Selector.

For an overview of all our market-linked guaranteed investments, click All MLGIs - This link will open in a new window. (PDF, 817 KB)

Our range of Market-Linked Guaranteed Investments has received prestigious prizes over the years, which highlight the quality, performance and innovative nature of Desjardins products.

2016


Best Distributor, Canada

For sales and performance per product distributed across Canada

Best Capital-Protected Distributor, Americas

For sales and performance per product distributed across the whole Americas region

Previous Years

Best Distributor Canada, 2015

This award recognizes the Canadian financial institution with the best sales and performance for products

Best Educational Initiative, 2015

For the comprehensiveness, clarity and accessibility of educational material to clients

Structured Products House of the Year, Canada, 2013

For innovation in the manufacturing of structured products

Best House for Hybrids in the Americas, 2013

For the quality of products offered with returns linked to the performance of several asset classes

Best Sales in Canada, 2012, 2013 and 2014

For top sales in the structured products industry

Best Sales in Canada-GICs, 2012, 2013 and 2014

For top sales of guaranteed investments

With a guaranteed return

Can't decide between a guaranteed return or one that fluctuates based on the markets? No problem! With our secure investments, you get the best of both worlds: a guaranteed minimum return and a return based on market growth7.

How does a market-linked guaranteed investment (MLGI) with a guaranteed return work? (1 min 10 s)

Description
This MLGI offers a return that ranges between the guaranteed minimum return and the predetermined maximum return. If the market advances, you receive a variable return of up to the predetermined maximum. If the market pulls back, you receive the minimum guaranteed return and your capital is 100% guaranteed.

  • Higher return potential
  • Variable return linked to growth of 20 major Canadian companies5
  • Industry diversification
  • Minimum guaranteed return known at time of investment
  • Capital 100% guaranteed at maturity

Learn more - Canadian Balanced Guar@nteed Investment

  • Higher return potential
  • Variable return linked to growth of 20 major companies from all over the world5
  • Industry and geographic diversification
  • Minimum guaranteed return known at time of investment
  • Capital 100% guaranteed at maturity

Learn more - Global Balanced Guar@nteed Investment

  • Capital 100% guaranteed at maturity
  • Minimum guaranteed return, known at purchase
  • Potential of additional returns linked to market growth5
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Zenitude Guaranteed Portfolio

  • Capital 100% guaranteed at maturity
  • Minimum guaranteed return, known at purchase
  • Potential of additional returns linked to market growth5.
  • Steady, predictable monthly income to finance a project or your retirement
  • Higher return for investments of $250,000 or more
  • Minimum deposit: $25,000

Learn more - Zenitude Guaranteed Portfolio with Income Option

  • Capital 100% guaranteed at maturity
  • Interest guaranteed, adjusted annually, paid at maturity
  • Higher return because of annual fixed and guaranteed bonus5
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Redeemable or convertible annually6
  • Minimum deposit: $1,000

Learn more -

  • Capital 100% guaranteed at maturity
  • Interest guaranteed, adjusted annually, paid annually
  • Higher return because of annual fixed and guaranteed bonus5
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Redeemable or convertible annually3
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more -

  • Capital 100% guaranteed at maturity
  • Guaranteed return, known at time of investment
  • Variable return linked to performance of companies like Coca-Cola, Kellogg's and Unilever.5
  • Defensive market sector
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Consumer Staples Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Guaranteed return, known at time of investment
  • Variable return linked to growth of major Quebec companies like Jean Coutu Group, Metro and BCE.5
  • Industry sector diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Québec Selection Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Guaranteed return, known at time of investment
  • Variable return linked to performance of Canadian financial groups.5
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Financial Services Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Guaranteed return, known at time of investment
  • Variable return linked to performance of companies like Johnson & Johnson, Pfizer and Merck.5
  • Defensive market sector
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Health Care Guaranteed Investment

With potentially higher variable returns

Want to get more value for your dollar without risking your capital? If you're willing to pass on a guaranteed minimum return, our guaranteed investments with potentially higher variable returns are right for you!29

How does a market-linked guaranteed investment (MLGI) with higher return potential work? (1 min 10 s)

Description
This MLGI offers you the potential maximum predetermined return at the highest level for an MLGI. If the market advances, you receive a variable return of up to the guaranteed maximum. If the market pulls back, you receive no return but your capital is 100% guaranteed.

  • Higher return potential
  • Variable return linked to growth of 20 major Canadian companies2
  • Industry diversification
  • Capital 100% guaranteed at maturity

Learn more - Canadian Dynamic Guar@nteed Investment

  • Higher return potential
  • Variable return linked to growth of 20 major companies from all over the world2
  • Industry and geographic diversification
  • Capital 100% guaranteed at maturity

Learn more - Global Dynamic Guar@nteed Investment

  • Capital 100% guaranteed at maturity
  • Interest paid every year if the security basket performs as well as or better than its starting value
  • Variable return linked to market growth 1
  • Higher return for investments of $250,000 or more
  • Minimum deposit: $25,000
  • Eligible for RRSP or TFSA (non-transferable into a RRIF prior to maturity)

Learn more - Flex-Pay Guaranteed Investment

  • Variable return linked to the growth of companies located in emerging countries 2
  • Capital 100% guaranteed at maturity
  • Higher return for investments of $250,000 or more
  • Minimum deposit: $25,000
  • RRSP-TFSA eligible

Learn more - Opportunity Guaranteed Investment - Emerging Markets

  • Capital 100% guaranteed at maturity
  • Variable return linked to market growth2
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Dynamic Zenitude Guaranteed Portfolio

  • Capital 100% guaranteed at maturity
  • Variable return linked to market growth2
  • Steady, predictable monthly income to finance a project or your retirement
  • Higher return for investments of $250,000 or more
  • Minimum deposit: $25,000

Learn more - Dynamic Zenitude Guaranteed Portfolio - Income

  • Capital 100% guaranteed at maturity
  • Variable return linked to the the growth of 20 globally recognized companies2
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Industry sector and global diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Globally Diversified Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to 20 Canadian companies2
  • Industry sector diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Canadian Diversified Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to the the growth of 20 U.S. companies
  • Industry sector diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - American Diversified Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable returns based on rising prices of natural resources (oil, natural gas, gold, etc.)2
  • Benefit from global economic growth
  • Ideal for portfolio diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Natural Resource Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Responsible investment
  • Variable returns linked to the growth of internationally recognized companies such as Accenture, BCE and Cummins.2
  • Sectorial and global diversification
  • Minimum deposit: $1,000
  • RRSP-TFSA eligible

Learn more - Priority Terra Guaranteed Investment

Available exclusively online

Exclusively through : simple, quick and secure!

  • Higher return potential
     
  • Capital that's 100% guaranteed
  • Minimum investment: $500

Canadian Guar@nteed Investment
Balanced

  • Higher return potential
  • Industry diversification
  • 5-year term

Learn more - Canadian Balanced Guar@nteed Investment

Canadian Guar@nteed Investment
Dynamic

  • Higher return potential
  • Industry diversification
  • 2- and 5-year terms

Learn more - Canadian Dynamic Guar@nteed Investment

Global Guar@nteed Investment
Balanced

  • Higher return potential
  • Industry and geographic diversification
  • 5-year term

Learn more - Global Balanced Guar@nteed Investment

Global Guar@nteed Investment
Dynamic

  • Higher return potential
  • Industry and geographic diversification
  • 2- and 5-year terms

Learn more - Global Dynamic Guar@nteed Investment

  1. Variable return may be nil at maturity. Some investments offer a guaranteed return.
  2. Variable return may be nil at maturity. However, your capital is still guaranteed at maturity.
  3. For portfolios with an income option, a portion of the capital is returned as monthly income. The balance is returned at maturity.
  4. Redeemable or convertible once a year, after the 3rd, during prescribed periods and in compliance with terms stipulated in the Investor Agreement. Redemption or conversion value may be less than the capital invested. Conversion value is greater than redemption value because members continue to hold a Desjardins Market-Linked Guaranteed Investment.
  5. Variable return may be nil at maturity. However, your capital and the minimum return are guaranteed.
  6. Bonus rate is fully paid at maturity if investment is maintained for the full term.
  7. If redeemed, no bonus rate will be paid. If converted, 50% of the bonus rate will be paid for each year invested.

Useful links

Selector

Undecided? Try our Guaranteed Investment Selector.

Discover in a few clicks which of our guaranteed investments are right for you.

Give it a try!

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