The Desjardins Golden Plan
is Your Golden Opportunity
Among Desjardins' many specialized products and services is the
exclusive Golden Plan, designed to help you
meet the Immigrant Investor Program’s investment criteria
more easily by financing a substantial amount of the required
$CAN400,000 investment. This alone can reduce the cost of joining
the Program to as little as a $CAN120,0001 down
payment.
Desjardins Protects Your
Investment
Desjardins guarantees that the $CAN120,000 down payment will
cover the expenses incurred by the loan during its five-year term,
regardless of interest rate fluctuations.
Upon maturity, the proceeds from your investment will cover the
expenses, capital and even the financing cost of your initial loan.
Desjardins’ Golden Plan doesn’t carry any hidden costs or
unforeseen payments!
Simply put, the Golden Plan doesn’t require that you liquidate
any long-term fixed assets, nor provide any collateral in order to
meet the required $CAN400,000 investment criteria. You remain in
control of more of your money and can watch it grow in other,
high-return investments!
Investment
with financing (Golden Plan)
|
The investor provides only a portion ($
120,000) of the mandatory investment.
|
| Investor’s down payment: |
$ 120,0002 |
| Desjardins loan: |
Desjardins loan |
| |
|
| Total required investment: |
$ 400,000 |
| |
|
| Reimbursement at maturity: |
$ 0 |
2 The $ 120,000 down payment will cover the
interest, capital and financing cost related to the Desjardins
loan. Therefore at maturity, Desjardins will not return any
interest or capital. The total cost of this financing option is
limited to your initial $CAN120,000 down payment.
The Desjardins Golden Plan
Works For You!
Because the Golden Plan asks only that you provide a fraction of
the $CAN400,000 required by the program, you’re free to invest the
difference ($CAN280,000) in other, higher-return investments and
enjoy even greater returns!
In the example below, an investor who chose the Golden Plan
earned $50,000 more at the end of the five-year term ($450,942 -
$400,000 = $50,942) than an investor making the full
investment.
Example3
| Year |
Investment |
Return |
Growth |
Total |
| 1 |
280,000 |
10% |
28,000 |
308,000 |
| 2 |
308,000 |
10% |
30,800 |
338,800 |
| 3 |
338,800 |
10% |
33,800 |
372,680 |
| 4 |
372,680 |
10% |
37,268 |
409,948 |
| 5 |
409,948 |
10% |
40,994 |
450,942 |
Under the Golden Plan, had the investment yielded 20% - a return
not unheard of – the investment would have yielded $300,000!
1Subject to interest rate fluctuations
3This example is based on $CAN280,000, which is the
equivalent of loan issued through the Desjardins Golden plan, at a
rate of 10%, compounded annually.
