Market-linked guaranteed investments
Desjardins ad
Exclusive advantage for members
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!
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
Flexibility
Tracking and renewals
- Track your investments on Personal AccèsD or Desjardins.com, using our Dynamic Market-Linked Guaranteed Investment Return Tracker
- Sign up to get investment documents and tax slips right on AccèsD
- Renew most market-linked guaranteed investments yourself on Personal AccèsD5
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
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.
2018
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.
Best Private Bank
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
This prize is awarded to the financial institution with the most innovative product with top sales and customer satisfaction.
Previous Years
Best Distributor, Canada, 2017
For sales and performance per product distributed across Canada
Best Distributor, Canada, 2016
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 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 growth1.
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major Canadian companies
- Industry diversification
- Minimum investment: $500
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major companies from all over the world
- Industry and geographic diversification
- Minimum investment: $500
- 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
- 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
- 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
- Capital 100% guaranteed at maturity
- Return linked to the growth of Canadian financial groups
- Geographic diversification
- Minimum investment: $1,000
- 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
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major Canadian companies
- Industry diversification
- Minimum investment: $500
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major companies from all over the world
- Industry and geographic diversification
- Minimum investment: $500
- Follows environmentally conscious companies, including some in the renewable energy field
- Capital 100% guaranteed at maturity
- Industry and geographic diversification
- Minimum investment: $500
- Optimized start level from the first year of your investment
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 companies from a variety of economic sectors and various countries located overseas
- Higher return for investments of $250,000 or more
- Industry and geographic diversification
- Minimum investment: $25,000
Learn more - Opportunity Guaranteed Investment - Optimal Start
- 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
- 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
- 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
- Capital 100% guaranteed at maturity
- Industry and geographic diversification
- Minimum investment: $1,000
- 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
- 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
Canadian Market Guaranteed Investment - Benefit from the potential of established Canadian companies
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major Canadian companies
- Industry diversification
- Minimum investment: $1,000
American Market Guaranteed Investment - Benefit from the growth potential of major U.S. corporations
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 U.S companies
- Industry diversification
- Minimum investment: $1,000
- 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
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 globally recognized companies
- Industry and geographic diversification
- Minimum investment: $1,000
- U.S. Dollar investment9, 10
- Capital 100% guaranteed at maturity
- Higher return for investments of US$250,000 or more
- Industry diversification
- Minimum investment: US$25,000
Learn more - American Diversified Guaranteed Investment – In U.S. Dollars
Available exclusively online
Exclusively for personal 
users: simple, quick and secure!
- Higher return
potential
- Capital that's 100% guaranteed
- Minimum investment : $500
- Telephone support and financial advice by an AccèsD specialist, if needed
Complete range exclusively online
Canadian Aggressive Guar@nteed Investment
- Industry diversification
- 2- and 5-year terms
Canadian Balanced Guar@nteed Investment
- Minimum guaranteed return
- Industry diversification
- 5-year term
Global Aggressive Guar@nteed Investment
- Industry and geographic diversification
- 2- and 5-year terms
Global Balanced Guar@nteed Investment
- Minimum guaranteed return
- Industry and geographic diversification
- 5-year term
Priority Terra Guar@nteed Investment
- Responsible Investment
- Industry and geographic diversification
- 2- and 5-year terms
Exclusive advantage for members
Better rates
Get a higher interest rate on investments of $25,000 or more in some market-linked guaranteed investments. An exclusive Desjardins advantage that lets you make the most of the markets with peace of mind.
See all member advantages for individuals – Financial products and services
- Variable return may be nil at maturity. However, your capital and annual guaranteed return are guaranteed at maturity.
- Variable return may be nil at maturity.Your capital is always guaranteed at maturity.
- For portfolios with an income option, a portion of the capital is returned as monthly income. The balance is returned at maturity.
- 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.
- 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
- The annual maximum return varies based on the term chosen and the amount invested.
- The potential annual maximum return varies based on the amount invested.
- The annual maximum return varies based on the term chosen.
- 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.
- 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.
