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Market-Linked Guaranteed Investments
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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
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
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.
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
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
- Higher return potential
- Variable return linked to growth of 20 major Canadian companies2
- Industry diversification
- Capital 100% guaranteed at maturity
- 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
- 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)
- 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
- 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
- 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
- Capital 100% guaranteed at maturity
- Variable return linked to 20 Canadian companies2
- Industry sector diversification
- Minimum deposit: $1,000
- RRSP-TFSA eligible
- 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
- 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
- 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
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
Canadian Guar@nteed Investment
Dynamic
- Higher return potential
- Industry diversification
- 2- and 5-year terms
Global Guar@nteed Investment
Balanced
- Higher return potential
- Industry and geographic diversification
- 5-year term
Global Guar@nteed Investment
Dynamic
- Higher return potential
- Industry and geographic diversification
- 2- and 5-year terms
- Variable return may be nil at maturity. Some investments offer a guaranteed return.
- Variable return may be nil at maturity. However, your capital is still 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.
- Variable return may be nil at maturity. However, your capital and the minimum return are guaranteed.
- Bonus rate is fully paid at maturity if investment is maintained for the full term.
- 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.