Market-linked guaranteed investments

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Guaranteed investments

From the confort of your home. Manage your market-linked guaranteed investments online, from purchase to renewal. Learn more >

These investment solutions are also available to business members. Talk to an advisor at your business centre or caisse to learn more.

Quick facts

Want to tap into the stock markets' growth potential without risking your capital? With market-linked guaranteed investments, you get 2 return options: guaranteed and variable1. Plus, your capital is 100% guaranteed!

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 growth1
  • No commission or administration fees
  • Eligible for potential member dividends

See returns for previously issued MLGIs

Flexibility

  • Terms: 2, 3, 4 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 returns1:

  • 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

Over the years, our market-linked guaranteed investments have been recognized with a variety of prestigious prizes awarded awarded by Structured Retail Products Ltd., a research company providing highly detailed information on all structured products sold in over 54 countries awards.

The Structured Retail Products Americas Awards are highly regarded in the industry. They recognize world leaders in the field of structured products.

2019

Best Distributor, Canada

This prize is awarded to the best Canadian financial institution in terms of sales and performance per product distributed across Canada.

Best Capital Protected Distributor, Americas

This prize is awarded to the top North American financial institution in terms of sales and returns of structured capital-protected products.

Deal of the Year, Americas

This prize is awarded to the North American financial institution with the most innovative product with top sales and customer satisfaction.

Previous Years

Best Capital-protected Distributor, Americas, 2018

This prize is awarded to the top North American financial institution in terms of sales and returns of structured capital-protected products.

Best Private Bank, 2018

This prize is awarded to the top North American financial institution in terms of innovation, understanding of client needs and post-sales service for structured products for high-net-worth clients.

Deal of the Year, 2018

This prize is awarded to the financial institution with the most innovative product with top sales and customer satisfaction.

Best Distributor, Canada, 2015, 2016 and 2017

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

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 growth1.

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.

  • Capital 100% guaranteed at maturity
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Diversified, simple and complete portfolio
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Zenitude Secure Guaranteed Portfolio

  • Capital 100% guaranteed at maturity
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Diversified, simple and complete portfolio
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Zenitude Balanced Guaranteed Portfolio

  • Capital 100% guaranteed at maturity
  • Steady, predictable monthly income to finance a project or your retirement
  • Higher return for investments of $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $25,000

Learn more - Zenitude Secure Guaranteed Portfolio – Income

  • Capital 100% guaranteed at maturity
  • Return linked to the growth of Canadian financial groups
  • Geographic diversification
  • Minimum investment: $1,000

Learn more - Financial Services Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Return linked to the growth of 20 world-renowned multinationals made up of pharmaceutical companies and manufacturers of commonly used consumer products
  • Geographic diversification
  • Minimum investment: $1,000

Learn more - Consumer and Health Products 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!1

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.

  • Follows environmentally conscious companies, including some in the renewable energy field
  • Capital 100% guaranteed at maturity
  • Industry and geographic diversification
  • Minimum investment: $500

Learn more - Priority Terra Guar@nteed Investment

  • Optimized start level from the first year of your investment
  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 Canadian companies from a variety of economic sectors
  • Industry diversification
  • Higher return for investments of $250,000 or more
  • Minimum investment: $25,000

Learn more - Opportunity Guaranteed Investment - Women's Impact

  • Three times the return on the basket of securities, or more based on the amount invested
  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 large-cap companies around the world
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - MarketLever Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Potential interest secured each year
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Flex-Pay Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Interest paid every year if the security basket performs as well as or better than its starting value
  • Higher return for investments of $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $25,000

Learn more - Flex-Pay Guaranteed Investment (Annual potential payment)

  • Responsible investment
  • Follows companies commited to the environment, including some in the renewable energy field
  • Annual maximum rate of return: from 3.85% to 5.39% 2,8
  • Capital 100% guaranteed at maturity
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Priority Terra Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to market growth
  • Higher return for investments of $25,000 or more and $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Zenitude Aggressive Guaranteed Portfolio

  • Steady, predictable monthly income to finance a project or your retirement
  • Capital 100% guaranteed at maturity
  • Higher return for investments of $250,000 or more
  • Industry and geographic diversification
  • Minimum investment: $25,000

Learn more - Zenitude Aggressive Guaranteed Portfolio - Income

  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 8 major Québec companies
  • Industry diversification
  • Minimum investment: $1,000

Learn more - Québec Market Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 major Canadian companies
  • Industry diversification
  • Minimum investment: $1,000

Learn more - Canadian Market Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 U.S companies
  • Industry diversification
  • Minimum investment: $1,000

Learn more - American Market Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 companies from Europe and Asia
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Overseas Market Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 globally recognized companies
  • Industry and geographic diversification
  • Minimum investment: $1,000

Learn more - Global Market Guaranteed Investment

 

  1. Variable return may be nil at maturity. However, your capital and annual guaranteed return are guaranteed at maturity.
  2. Variable return may be nil at maturity.Your capital is always 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. The following investments cannot be renewed on AccèsD. Please contact your caisse.
    • Products held in registered plans other than RRSPs and TFSAs and non-registered plans
    • Investments held in business accounts
    • Made-to-Measure guaranteed investments
    • Zenitude Secure Guaranteed Portfolio - Income and Zenitude Aggressive Guaranteed Portfolio - Income
    • Market-linked guaranteed investments of $1 million or more
    • Investments with certain restrictions, such as holds on an account, life insurance or loan guarantees
  6. The annual maximum return varies based on the term chosen and the amount invested.
  7. The potential annual maximum return varies based on the amount invested.
  8. The annual maximum return varies based on the term chosen.
  9. MLGIs in U.S. Dollars are offered by such registered dealers as Desjardins Financial Services Firm, a mutual fund brokerage firm belonging to Desjardins Group.
  10. This foreign currency guaranteed investment is not a guaranteed cash deposit within the meaning of the Deposit Insurance Act, or insured by the Canada Deposit Insurance Corporation or by another public deposit insurance fund.
  11. Maximum annual return of 5.07%, 3-year term, for investments of $500 and more. The rate of return indicated is the maximum annual rate payable at maturity for the Promo Guar@nteed Investment – Women’s Impact which does not offer a guaranteed return. For more information on the method of calculating the return, see the Investment Agreement.

Information on MLGI rates of return is provided for your information only. This information will vary and may be subject to change at any time without notice. Desjardins cannot guarantee the accuracy of this information. Before investing, you should read the investment agreement, which can be found at www.desjardins.com/mlgi. In the event of a discrepancy between this site and the investment agreement, the investment agreement will prevail.