MARKET-LINKED GUARANTEED INVESTMENTS (MLGI)

Tap into the markets without risking your capital

Market-linked guaranteed investments provide a good balance between the security of your capital and attractive returns. The amount you invest is protected and returns can reflect market growth.

These term investments are as safe guaranteed investment certificates and term deposits. Their advantage is that returns are variable and may exceed the posted rates on these types of investments1. Returns are not known ahead of time because they are based on market performance.

UNI also has market-linked guaranteed investments with guaranteed returns, an additional protection if the markets aren't performing well.

Discover in a few clicks which of our guaranteed investments are right for you. Try our Guaranteed Investment Selector.

Security
  • Capital 100% guaranteed at maturity2
  • Deposits insured under the terms established by the Canada Deposit Insurance Corporation
  • Designed by experts
  • Protects you against exchange rate fluctuations
Returns
  • Guaranteed return available, known at purchase for some investments
  • Potential variable return linked to market growth1
  • No commission or administration fees
  • Entitles you to potential member dividends
See returns for previously issued MLGIs
Flexibility
  • Terms: 3 years, 5 years
  • Minimum deposit: $1000
  • Eligible for registered plans (TFSA, RRSP, LIRA, locked-in RRSP, RRIF and LIF) and non-registered plans

 

What kind of investment do you want?

There's an investment for every type of investor. 2 types of markets-linked guaranteed investments available:

With guaranteed and variable returns
Zenitude Guaranteed Portfolio Optimized diversification for a comprehensive portfolio
Consumer Staples Guaranteed Investment Growth linked to multinationals
Financial Services Guaranteed Investment Benefit from the growth of 8 financial groups
With potentially higher variable returns1
Guaranteed Investment - Globally diversified Benefit from the potential of worlwide companies
Zenitude-Agressive Guaranteed Portfolio Optimized diversification for a comprehensive portfolio
Canadian Diversified Guaranteed Investment Benefit from the growth potential of Canadian companies
American Diversified Guaranteed Investment Benefit from the growth potential of major U.S. corporations
Focuses on companies committed to the environment
Flex-Pay Guaranteed Investment Potential for interest to be paid annually
Flex-Pay Guaranteed Investment (Annual potential payment) Potential for interest to be paid annually
Opportunity Guaranteed Investment - Optimal Start Exclusive, limited-time offer

1. Variable return may be nil at maturity. Some investments offer a guaranteed annual return.

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