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Market-linked guaranteed investments

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!

Features to help you manage your investments online - from purchase to renewal (2 min 39 s)

Description
You can now manage your guaranteed investments online, from purchase to renewal, thanks to a number of handy features. It’s easy, quick and secure!

  • Selector
  • Purchase
  • Online documents
  • Track your returns
  • Online renewal

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.

What is a market-linked guaranteed investment (MLGI)? (1 min 40 s)

Description
MLGIs fit investors who are seeking both security and returns that are higher than the more familiar secure investments (GICs, term savings). They offer a 100% capital guarantee and variable return.



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 or 5 years
  • Minimum deposit: $500
  • Eligible for registered plans (TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP) and non-registered plans3
  • Stable monthly income option and annual interest payment options4
  • Redeemable or convertible if something unexpected happens5

Tracking and renewals

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.

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 growth1.

How does a market-linked guaranteed investment (MLGI) with a guaranteed return work? (1 min 10 s)

Description
This MLGI offers a return that ranges between the guaranteed minimum return and the predetermined maximum return. If the market advances, you receive a variable return of up to the predetermined maximum. If the market pulls back, you receive the minimum guaranteed return and your capital is 100% guaranteed.

  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 major Canadian companies
  • Industry diversification
  • Minimum investment: $500

Learn more - Canadian Balanced Guar@nteed Investment

  • 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

Learn more - Global Balanced Guar@nteed Investment

  • 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

Learn more - Zenitude Guaranteed Portfolio

  • 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

Learn more - Zenitude Guaranteed Portfolio

  • 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

Learn more -

  • Capital 100% guaranteed at maturity
  • Return linked to the growth of major companies like Coca-Cola, L’Oreal and Unilever
  • Minimum investment: $1,000

Learn more - Consumer Staples Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Return linked to the growth of major Québec companies like Jean Coutu Group, Metro and BCE
  • Minimum investment: $1,000

Learn more - Québec Selection Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Return linked to the growth of companies like Johnson & Johnson, Pfizer and Merck
  • Minimum investment: $1,000

Learn more - Health Care 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

How does a market-linked guaranteed investment (MLGI) with higher return potential work? (1 min 10 s)

Description
This MLGI offers you the potential maximum predetermined return at the highest level for an MLGI. If the market advances, you receive a variable return of up to the guaranteed maximum. If the market pulls back, you receive no return but your capital is 100% guaranteed.

  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 major Canadian companies
  • Industry diversification
  • Minimum investment: $500

Learn more - Canadian Dynamic Guar@nteed Investment

  • 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

Learn more - Global Dynamic Guar@nteed Investment

  • 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

Learn more - Flex-Pay Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to the growth of 20 companies operating around the world in infrastructure and infrastructure-related sectors
  • Minimum investment: $25,000

Learn more - Opportunity Guaranteed Investment - Infrastructures

  • 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

Learn more - Dynamic Zenitude Guaranteed Portfolio

  • 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

Learn more - Globally Diversified Guaranteed Investment

  • Capital 100% guaranteed at maturity
  • Variable return linked to growth of 20 major Canadian companies
  • Industry diversification
  • Minimum investment: $1,000

Learn more - Canadian Diversified Guaranteed Investment

  • Responsible investment
  • Industry and geographic diversification
  • Capital 100% guaranteed at maturity
  • Minimum investment: $1,000

Learn more - Priority Terra Guaranteed Investment

Available exclusively online

Exclusively through : simple, quick and secure!

  • Higher return potential
     
  • Capital that's 100% guaranteed
  • Minimum investment: $500

Canadian Balanced Guar@nteed Investment

  • Higher return potential
  • Industry diversification
  • 5-year term

Learn more - Canadian Balanced Guar@nteed Investment

Canadian Dynamic Guar@nteed Investment

  • Industry diversification
  • 2- and 5-year terms

 

Learn more - Canadian Dynamic Guar@nteed Investment

Global Balanced Guar@nteed Investment

  • Higher return potential
  • Industry and geographic diversification
  • 5-year term

Learn more - Global Balanced Guar@nteed Investment

Global Dynamic Guar@nteed Investment

  • Industry and geographic diversification
  • 2- and 5-year terms

 

Learn more - Global Dynamic Guar@nteed Investment

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

  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. Spousal RRSP is not offered for investments purchased online via AccèsD. Please contact your caisse.
  4. For portfolios with an income option, a portion of the capital is returned as monthly income. The balance is returned at maturity.
  5. 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.
  6. 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 Dynamic 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
  7. The annual maximum return varies based on the term chosen and the amount invested.
  8. The potential annual maximum return varies based on the amount invested.
  9. Bonus is fully paid at maturity if investment is maintained for the entire term. The bonus varies based on the amount invested.
  10. 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.
  11. The annual maximum return varies based on the term chosen.

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.

Useful links

Selector

Undecided? Try our Guaranteed Investment Selector.

Discover in a few clicks which of our guaranteed investments are right for you.

Give it a try!

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