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Market-linked guaranteed investments
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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 AccèsD6
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.
2017
Best Distributor, Canada
For sales and performance per product distributed across Canada
Previous Years
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 the growth of 20 financial services companies operating in countries around the world
- Minimum investment: $25,000
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 financial services companies operating in countries around the world
- Minimum investment: $25,000
Learn more - Opportunity Guaranteed Investment - Global Financial Groups
- Capital 100% guaranteed at maturity
- Higher return for investments of $25,000 or more and $250,000 or more
- Diversified, simple and complete portfolio
- 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
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Guaranteed interest paid annually
- Minimum investment: $25,000
Learn more - Zenitude Guaranteed Portfolio with Income Option
- Capital 100% guaranteed at maturity
- Steady, predictable monthly income to finance a project or your retirement
- Minimum investment: $25,000
Learn more - Zenitude Guaranteed Portfolio with Income Option
- Capital 100% guaranteed at maturity
- Return adjusted annually and paid at maturity
- Higher return for investments of $25,000 or more and $250,000 or more
- Redeemable or convertible annually, in case of unexpected
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Return linked to the growth of major companies like Coca-Cola, L’Oreal and Unilever
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Return linked to the growth of major Québec companies like Gildan Activewear Inc., Metro and BCE
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Return linked to the growth of Canadian financial groups
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Return linked to the growth of companies like Johnson & Johnson, Pfizer and Merck
- Minimum investment: $1,000
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
- Variable return linked to growth of 20 major companies from all over the world
- Industry diversification
- Minimum investment: $500
- Capital 100% guaranteed at maturity
- Interest paid every year if the security basket performs as well as or better than its starting value
- Minimum investment: $25,000
Learn more - Flex-Pay Guaranteed Investment (Annual potential payment)
- Capital 100% guaranteed at maturity
- Potential interest secured each year
- Higher return for investments of $25,000 or more and $250,000 or more
- 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
- Minimum investment: $1,000
- Steady, predictable monthly income to finance a project or your retirement
- Capital 100% guaranteed at maturity
- Minimum investment: $25,000
Learn more - Zenitude Aggressive Guaranteed Portfolio - Income
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 globally recognized companies
- Higher return for investments of $25,000 or more and $250,000 or more
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 20 major Canadian companies
- Industry diversification
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 U.S companies
- Minimum investment: $1,000
- Capital 100% guaranteed at maturity
- Ideal for portfolio diversification
- Minimum investment: $1,000
- Responsible investment
- Industry and geographic diversification
- Capital 100% guaranteed at maturity
- Minimum investment: $1,000
- U.S. Dollar investment12, 13
- Capital 100% guaranteed at maturity
- Industry sector 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
- Telephone support and financial advice by an AccèsD specialist, if needed
Canadian Balanced Guar@nteed Investment
- Higher return potential
- Industry diversification
- 5-year term
Canadian Aggressive Guar@nteed Investment
- Industry diversification
- 2- and 5-year terms
Global Balanced Guar@nteed Investment
- Higher return potential
- Industry and geographic diversification
- 5-year term
Global Aggressive Guar@nteed 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.
- Spousal RRSP is not offered for investments purchased online via AccèsD. Please contact your caisse.
- 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
- RRSPs belonging to a contributing spouse
- 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.
- Bonus is fully paid at maturity if investment is maintained for the entire term. The bonus varies based on the amount invested.
- Returns may vary from year to year, as the interest rate for one-year term savings may increase or decrease. The total investment return will only be known at maturity.
- 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.
- Maximum annual return of 9.86%, 5-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 –Global Aggressive which does not offer a guaranteed return. For more information on the method of calculating the return, see the Investment Agreement. Variable return may be nil at maturity.However, your capital is always guaranteed at maturity.
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.
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Undecided? Try our Guaranteed Investment Selector.
Discover in a few clicks which of our guaranteed investments are right for you.
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