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Savings and investments

Plan for the future and grow your money with our savings and investment products.

Current promotion

Promotional offer

Promo Guaranteed Investment - Canadian Market 5 years

Unlimited potential return1

Until May 19, 2025, get an unlimited potential return1 when you renew the Promo Guaranteed Investment - Canadian Market (5-year term) on AccèsD.

Get this offer for the Promo Guaranteed Investment - Canadian Market.

Savings plans for all your needs

Registered savings plans offer numerous tax benefits and allow you to achieve your goals, such as saving for retirement, a child's education or your first home, or building an emergency fund.

See all savings plans

Goals-based investing

Explore our investment products and see which ones are best for your goals. Need help? Contact your advisor to discuss your savings goals.

See our investment rates
Promotional rate

Guaranteed fixed-rate investments (term savings)

Enjoy a known return on your investment from day one. Both your principal and interest are guaranteed.

Learn more about Guaranteed fixed-rate investments (term savings).
Promotional offer

Market-linked guaranteed investments

Harness the growth potential of stocks without risking your capital.

Learn more about Market-linked guaranteed investments.

Desjardins Funds

Invest in innovative and competitive fund portfolios tailored to your profile.2

Learn more about Desjardins Funds.

Savings accounts

Save your money with no required minimum deposit and no service fees.

Learn more about savings accounts.

Other investment options

Guaranteed Investment Funds under the Helios2 Contract

Earn interest while protecting your estate and your savings.3

Learn more about Guaranteed Investment Funds under the Helios2 Contract.

Responsible annuities

Receive regular, guaranteed income and help create a more sustainable world.

Learn more about responsible annuities.

Capital régional et coopératif Desjardins

Get a provincial tax credit and potential returns while supporting businesses across Quebec.4

Learn more about Capital régional et coopératif Desjardins.

Federation capital shares

Invest in and support your financial cooperative.

Learn more about Federation capital shares.

Responsible investment pays off

Commit to a sustainable and equitable economy by investing in businesses that value the environment, the community and diversity. With our socially responsible investments, you can grow your money while taking action for the future.

Discover our responsible investment products

Understand the basics of investing

If you're just starting to invest your money, take the time to understand some basic investment concepts, such as types of investments, how returns work and different savings plans. Your goals, investment horizon and risk tolerance can help you choose, as well as determining your investor profile.

Your advisor can help you make sense of everything and lend a hand with your investment goals.

Learn more about investment basics

Interested in self-directed investing?

Whether you’re a beginner or expert investor, we offer everything you need to make informed decisions and invest on your own with confidence.

Discover online brokerage

Group retirement savings

Does your employer offer a group retirement savings plan? Explore the benefits of participating and start contributing.

Learn more about group retirement savings

Economic studies

Read publications from our economists for the latest economic and financial news.

See all our publications
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. Your capital is always guaranteed at maturity. This product is redeemable or convertible once a year, after the 3rd year, 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 you continue to hold a Desjardins Market-Linked Guaranteed Investment.The Desjardins Funds are not guaranteed, their value fluctuates frequently, and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The Desjardins Funds are offered by such registered dealers as the Desjardins Financial Services Firm, a mutual fund dealer belonging to the Desjardins Group that distributes the Funds in caisses throughout Québec and Ontario.DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company. Helios2 and DFS Guaranteed Investment Funds are registered trademarks of Desjardins Financial Security Life Assurance Company. CRCD shares are not guaranteed investments. Their value and returns vary, and past performance is not indicative of future returns. Investment fees may apply. Read the prospectus before investing (PDF, 507 KB)