Market-linked guaranteed investments

Vitrine

Internationally acclaimed investments

Internationally acclaimed investments

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? That’s what you get with market-linked guaranteed investments (MLGIs).

They offer you two return options: guaranteed and variable1. Plus, your capital is always 100% guaranteed at maturity!

Market-Linked guaranteed investments (MLGIs) at a glance (1 min 48 s)

Description
Discover, in less than two minutes, how you can play the market in complete safety with MLGIs!

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: $1000
  • 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! You can get the best of both worlds with our MLGIs that offer a guaranteed minimum return and a return based on market growth1.

  • 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
Secure Zenitude Guaranteed Portfolio
Term Investment Amount Fact Sheet Investment Agreement
3 years Less than $25,000 Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement - Zenitude - Secure (PDF, 66 KB)
$25,000 to $249,999 Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement - Zenitude - Secure (PDF, 66 KB)
$250,000 or more Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement - Zenitude - Secure (PDF, 66 KB)
5 years Less than $25,000 Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement- Zenitude - Secure (PDF, 75 KB)
$25,000 to $249,999 Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement- Zenitude - Secure (PDF, 75 KB)
$250,000 or more Fact Sheet - Zenitude - Secure (PDF, 138 KB) Investment Agreement - Zenitude - Secure (PDF, 75 KB)
  • 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
Fact Sheets and Investment Agreements - Zenitude Balanced Guaranteed Portfolio
Term Investment Amount Fact Sheet Investment Agreement
3 years Less than $25,000 Fact Sheet - Zenitude Balanced (PDF, 125 KB) Investment Agreement - Zenitude Balanced (PDF, 74 KB)
$25,000 to $249,999 Fact Sheet - Zenitude Balanced (PDF, 138 KB) Investment Agreement - Zenitude Balanced (PDF, 89 KB)
$250,000 or more Fact Sheet - Zenitude Balanced (PDF, 124 KB) Investment Agreement - Zenitude Balanced (PDF, 71 KB)
5 years Less than $25,000 Fact Sheet - Zenitude Balanced (PDF, 116 KB) Investment Agreement - Zenitude Balanced (PDF, 86 KB)
$25,000 to $249,999 Fact Sheet - Zenitude Balanced (PDF, 141 KB) Investment Agreement - Zenitude Balanced (PDF, 81 KB)
$250,000 or more Fact Sheet - Zenitude Balanced (PDF, 117 KB) Investment Agreement - Zenitude Balanced (PDF, 75 KB)
  • 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
Fact Sheets and Investment Agreements - Zenitude Secure Guaranteed Portfolio - Income
Term Investment Amount Fact Sheet Investment Agreement
5 years $25,000 to $249,999 Fact Sheet - Zenitude Secure - Income (PDF, 138 KB) Investment Agreement - Zenitude Secure - Income (PDF, 76 KB)
$250,000 or more Fact Sheet - Zenitude Secure - Income (PDF, 138 KB) Investment Agreement - Zenitude Secure - Income (PDF, 76 KB)
  • Capital 100% guaranteed at maturity
  • Return linked to the growth of Canadian financial groups
  • Geographic diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - Financial Services Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - Financial Services (PDF, 66 KB) Investment Agreement - Financial Services (PDF, 70 KB)
  • 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
Fact Sheets and Investment Agreements - Consumer and Health Products Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - Consumer and Health Products (PDF, 66 KB) Investment Agreement - Consumer and Health Products (PDF, 70 KB)

With potentially higher variable returns

You want a potentially higher return without risking your capital and you're willing to pass on a guaranteed minimum return? Our MLGIs with potentially higher variable returns are right for you1!

  • Growth linked to 15 companies with products or services preferred by baby boomers
  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of worldwide companies from a variety of economic sectors
  • Annual maximum rate of return: from 7.72% to 9.16% 2 6
  • Industry and geographic diversification
  • Higher return for investments of $250,000 or more
  • Minimum investment: $25,000
Fact Sheets and Investment Agreements - Opportunity Guaranteed Investment - Demographic Impact
Term Investment Amount Fact Sheet Investment Agreement
5 years
$25,000 to $249,999 Fact Sheet - Opportunity - Demographic Impact (PDF, 124 KB) Investment Agreement - Opportunity - Demographic Impact (PDF, 134 KB)
$250,000 or more Fact Sheet - Opportunity - Demographic Impact (PDF, 124 KB) Investment Agreement - Opportunity - Demographic Impact (PDF, 134 KB)
  • 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
Fact Sheets and Investment Agreements - MarketLever Guaranteed Investment
Term Investment Amount Fact Sheet Investment Agreement
5 years Less than $25,000 Fact Sheet - MarketLever (PDF, 65 KB) Investment Agreement - MarketLever (PDF, 61 KB)
$25,000 to $249,999 Fact Sheet - MarketLever (PDF, 65 KB) Investment Agreement - MarketLever (PDF, 61 KB)
$250,000 or more Fact Sheet - MarketLever (PDF, 65 KB) Investment Agreement - MarketLever (PDF, 61 KB)
  • 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
Fact Sheets and Investment Agreements - Flex-Pay Guaranteed Investment
Term Investment Amount Fact Sheet Investment Agreement
5 years Less than $25,000 Fact Sheet - Flex-Pay Guaranteed Investment (PDF, 139 KB) Investment Agreement - Flex-Pay Guaranteed Investment (PDF, 73 KB)
$25,000 - $249,999 Fact Sheet - Flex-Pay Guaranteed Investment (PDF, 139 KB) Investment Agreement - Flex-Pay Guaranteed Investment (PDF, 73 KB)
$250,000 or more Fact Sheet - Flex-Pay Guaranteed Investment (PDF, 139 KB) Investment Agreement - Flex-Pay Guaranteed Investment (PDF, 74 KB)
  • 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
Fact Sheets and Investment Agreements - Flex-Pay Guaranteed Investment (Annual potential payment)
Term Investment Amount Fact Sheet Investment Agreement
5 years $25,000 - $249,999 Fact Sheet - Flex-Pay Annual potential payment) (PDF, 139 KB) Investment Agreement – Flex-Pay (Annual potential payment) (PDF, 73 KB)
$250,000 or more Fact Sheet - Flex-Pay (Annual potential payment) (PDF, 139 KB) Investment Agreement – Flex-Pay (Annual potential payment) (PDF, 74 KB)
  • Responsible investment
  • Follows companies commited to the environment, including some in the renewable energy field
  • Capital 100% guaranteed at maturity
  • Industry and geographic diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - Priority Terra Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - Priority Terra (PDF, 111 KB) Investment Agreement - Priority Terra (PDF, 70 KB)

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
Fact Sheets and Investment Agreements - Zenitude Aggressive Guaranteed Portfolio
Term Investment Amount Fact Sheet Investment Agreement
3 years Less than $25,000 Fact Sheet - Zenitude Aggressive (PDF, 127 KB) Investment Agreement Zenitude Aggressive (PDF, 73 KB)
$25,000 to $249,999 Fact Sheet - Zenitude Aggressive (PDF, 112 KB) Investment Agreement Zenitude Aggressive (PDF, 68 KB)
$250,000 or more Fact Sheet - Zenitude Aggressive (PDF, 121 KB) Investment Agreement - Zenitude Aggressive (PDF, 74 KB)
5 years Less than $25,000 Fact Sheet - Zenitude Aggressive (PDF, 132 KB) Investment Agreement - Zenitude Aggressive (PDF, 83 KB)
$25,000 to $249,999 Fact Sheet - Zenitude Aggressive (PDF, 115 KB) Investment Agreement - Zenitude Aggressive (PDF, 81 KB)
$250,000 or more Fact Sheet - Zenitude Aggressive (PDF, 126 KB) Investment Agreement - Zenitude Aggressive (PDF, 71 KB)
  • 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
Fact Sheets and Investment Agreements - Zenitude Aggressive Guaranteed Portfolio - Income
Term Investment Amount Fact Sheet Investment Agreement
5 years $25,000 - $249,999 Fact Sheet - Zenitude Aggressive - Income (PDF, 139 KB) Investment Agreement - Zenitude Aggressive - Income (PDF, 73 KB)
$250,000 and up Fact Sheet - Zenitude Aggressive - Income (PDF, 139 KB) Investment Agreement - Zenitude Aggressive - Income (PDF, 74 KB)
  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 8 major Québec companies
  • Industry diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - Québec Market Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - Québec Market (PDF, 87 KB) Investment Agreement - Québec Market (PDF, 70 KB)
  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 major Canadian companies
  • Industry diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - Canadian Market Guaranteed Investment
Term Fact Sheet Investment Agreement
2 years Fact Sheet - Canadian Market (PDF, 91 KB) Investment Agreement - Canadian Market (PDF, 64 KB)
3 years Fact Sheet - Canadian Market (PDF, 85 KB) Investment Agreement - Canadian Market (PDF, 68 KB)
4 years Fact Sheet - Canadian Market (PDF, 94 KB) Investment Agreement - Canadian Market (PDF, 77 KB)
5 years Fact Sheet - Canadian Market (PDF, 82 KB) Investment Agreement - Canadian Market (PDF, 73 KB)
  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 U.S companies
  • Industry diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - American Market Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - American Market (PDF, 91 KB) Investment Agreement - American Market (PDF, 73 KB)
  • 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
Fact Sheets and Investment Agreements - Overseas Market Guaranteed Investment
Term Fact Sheet Investment Agreement
5 years Fact Sheet - Overseas Market (PDF, 65 KB) Investment Agreement - Overseas Market (PDF, 74 KB)
  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 globally recognized companies
  • Industry and geographic diversification
  • Minimum investment: $1,000
Fact Sheets and Investment Agreements - Global Market Guaranteed Investment
Term Fact Sheet Investment Agreement
2 years Fact Sheet - Global Market (PDF, 96 KB) Investment Agreement - Global Market (PDF, 64 KB)
3 years Fact Sheet - Global Market (PDF, 87 KB) Investment Agreement - Global Market (PDF, 64 KB)
4 years Fact Sheet - Global Market (PDF, 91 KB) Investment Agreement - Global Market (PDF, 64 KB)
5 years Fact Sheet - Global Market (PDF, 92 KB) Investment Agreement - Global Market (PDF, 73 KB)
  • U.S. Dollar investment 8, 9
  • Capital 100% guaranteed at maturity
  • Higher return for investments of US$250,000 or more
  • Industry diversification
  • Minimum investment: US$25,000
Fact Sheets and Investment Agreements - American Market Guaranteed Investment - In U.S. Dollars – Invest in U.S. currency
Term Fact Sheet Fact Sheet Investment Agreement
5 years $25,000 to $249,999 Fact Sheet - American Market - In U.S. Dollars – Invest in U.S. currency (PDF, 91 KB) Investment Agreement - American Market - In U.S. Dollars – Invest in U.S. currency (PDF, 73 KB)
$250,000 or more Fact Sheet - American Market - In U.S. Dollars – Invest in U.S. currency (PDF, 98 KB) Investment Agreement - American Market - In U.S. Dollars – Invest in U.S. currency (PDF, 79 KB)

 

  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 annual maximum return varies based on the term chosen and the amount invested.
  6. The potential annual maximum return varies based on the amount invested.
  7. The annual maximum return varies based on the term chosen.
  8. 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.
  9. 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.

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.