Market-linked guaranteed investments
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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 variable. Plus, your capital is always 100% guaranteed at maturity!
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 investments. 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
- Learn more about deposit insurance
- Designed by our team of experts
- Protect you against exchange rate fluctuations
Returns
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
- Purchase and renewal available on Personal AccèsD Internet and mobile
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
- 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, 128 KB)
Over the years, our market-linked guaranteed investments have been recognized with a variety of prestigious prizes. Desjardins has over 25 years of experience in developing structured products and has won 25 international awards.
2022
Best House, Canada
Prize awarded by Structured Retail Products Ltd. to the best Canadian financial institution based on overall sales, product lineup, and customer satisfaction
Best Private Bank, Canada
Prize awarded by Structured Products Intelligence to the financial institution that has distinguished itself the most in terms of yields, diversification, and sales of customized structured products tailored to high-net-worth clients
Best Sales, Canada
Prize awarded by Structured Products Intelligence for the best sales of structured products in Canada
Previous Years
Best House, Canada, 2020 and 2021
Prize awarded to the best Canadian financial institution based on overall sales, product lineup, and customer satisfaction
Deal of the Year, Americas, 2018, 2019 and 2021
Prize awarded to the financial institution with the best structured product based on sales, performance and customer satisfaction across the whole Americas region
Best Capital-protected Distributor, Americas, 2018 and 2019
Prize awarded to the top financial institution in terms of sales and returns of structured capital-protected products across the whole Americas region
Best Private Bank, 2018
Prize 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
Best Distributor, Canada, 2015, 2016, 2017 and 2019
For sales and performance per product distributed across Canada
Best Capital-Protected Distributor, Americas, 2016
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
Structured Retail Products Ltd. is a UK-based research company that provides a wealth of in-depth information on all of the structured products that have been sold across 54 countries for the past 20 years. Their coverage encompasses over 30 million products.
The Structured Retail Products Americas Awards are highly coveted industry awards that seek to recognize global leaders in the structured products industry.
Structured Products Intelligence (SPi) is part of the WSD Group, a London-based company that provides market intelligence, benchmark data, and lifecycle information for the structured products industry.
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 growth.
- Capital 100% guaranteed at maturity
- Higher return for investments from $25,000 to $249,999 and $250,000 or more
- Annual guaranteed rate of return: from 3.00% to 3.75% note
- Annual maximum rate of return: from 7.03% to 8.32% note note
- Diversified, simple and complete portfolio
- Industry and geographic diversification
- Minimum investment: $500
| 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) |
| Term | Investment Amount | Fact Sheet | Investment Agreement |
|---|---|---|---|
| 5 years | Less than $25,000 | Fact Sheet - Responsible Option Balanced (PDF, 116 KB) | Investment Agreement - Responsible Option Balanced (PDF, 86 KB) |
| $25,000 or more | Fact Sheet - Responsible Option Balanced (PDF, 141 KB) | Investment Agreement - Responsible Option Balanced (PDF, 81 KB) |
- Capital 100% guaranteed at maturity
- Return linked to the growth of Canadian financial groups
- Geographic diversification
- Minimum investment: $500
| 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: $500
| 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 you!
- Capital 100% guaranteed at maturity
- Variable return linked to market growth
- Higher return for investments from $25,000 to $249,999 and $250,000 or more
- Annual maximum rate of return: from 11.33% to an unlimited rate note note
- Diversified, simple and complete portfolio
- Industry and geographic diversification
- Minimum investment: $500
- Capital 100% guaranteed at maturity
- Follows companies carefully selected for their environmental, social and governance (ESG) commitment
- Higher return for investments of $25,000 or more
- Annual maximum rate of return: from 10.93% to 12.85%, note note
- Diversified, simple and complete portfolio
- Industry and geographic diversification
- Minimum investment: $500
| Term | Investment Amount | Fact Sheet | Investment Agreement |
|---|---|---|---|
| 3 years | |||
| Less than $25,000 | Fact Sheet - Responsible Option Aggressive (PDF, 111 KB) | Investment Agreement - Responsible Option Aggressive (PDF, 70 KB) | |
| $25,000 or more | Fact Sheet - Responsible Option Aggressive (PDF, 111 KB) | Investment Agreement - Responsible Option Aggressive (PDF, 70 KB) | |
| 5 years | |||
| Less than $25,000 | Fact Sheet - Responsible Option Aggressive (PDF, 111 KB) | Investment Agreement - Responsible Option Aggressive (PDF, 70 KB) | |
| $25,000 or more | Fact Sheet - Responsible Option Aggressive (PDF, 111 KB) | Investment Agreement - Responsible Option Aggressive (PDF, 70 KB) |
- Variable return linked to growth of Canadian financial groups
- Higher return for investments of from $25,000 to $249,999 and $250,000 or more
- Minimum investment: $500
| Term | Investment Amount | Fact Sheet | Investment Agreement |
|---|---|---|---|
| 3 years | |||
| Less than $25,000 | Fact Sheet - Opportunity - Financial Services (PDF, 204 KB) | Investment Agreement - Opportunity - Financial Services (PDF, 186 KB) | |
| $25,000 to $249,999 | Fact Sheet - Opportunity - Financial Services (PDF, 204 KB) | Investment Agreement - Opportunity - Financial Services (PDF, 186 KB) | |
| $250,000 or more | Fact Sheet - Opportunity - Financial Services (PDF, 204 KB) | Investment Agreement - Opportunity - Financial Services (PDF, 186 KB) |
| Term | Fact Sheet | Investment Agreement |
|---|---|---|
| 5 years | Fact Sheet - Priority Terra (PDF, 111 KB) | Investment Agreement - Priority Terra (PDF, 70 KB) |
| Term | Fact Sheet | Investment Agreement |
|---|---|---|
| 5 years | Fact Sheet - Diversity (PDF, 87 KB) | Investment Agreement - Diversity (PDF, 70 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 from $25,000 to $249,999 and $250,000 or more
- Industry and geographic diversification
- Minimum investment: $500
| 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 from $25,000 to $249,999 and $250,000 or more
- Industry and geographic diversification
- Minimum investment: $500
| 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
| 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) |
- Capital 100% guaranteed at maturity
- Variable return linked to growth of 8 major Québec companies
- Industry diversification
- Minimum investment: $500
| Term | Fact Sheet | Investment Agreement |
|---|---|---|
| 5 years | Fact Sheet - Québec Market (PDF, 87 KB) | Investment Agreement - Québec Market (PDF, 70 KB) |
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: $500
| Term | Fact sheet | Investment agreement |
|---|---|---|
| 5 years | Fact Sheet - Canadian Market Guaranteed Investment (PDF, 82 KB) | Investment Agreement - Canadian Market Guaranteed Investment (PDF, 73 KB) |
- Capital 100% guaranteed at maturity
- Variable return linked to the growth of 20 U.S companies
- Industry diversification
- Minimum investment: $500
| 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 large-cap companies around the world
- Industry and geographic diversification
- Minimum investment: $500
| Term | Fact Sheet | Investment Agreement |
|---|---|---|
| 3 years | Fact Sheet - Global Market - In US dollars (PDF, 91 KB) | Investment Agreement - Global Market - In US dollars (PDF, 73 KB) |
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.
- Variable return may be nil at maturity. However, your capital and annual guaranteed return are guaranteed at maturity.
- The return may be nil at maturity. Your capital is always guaranteed 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.
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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 annual maximum return varies based on the amount invested.
- The annual maximum return varies based on the term chosen.
- The annual guaranteed return varies based on the amount invested.
- At the time of selection.
- The annual guaranteed return varies based on the term chosen and the amount invested.
