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Guaranteed investment funds under the Helios2 Contract

Make it easier to reach your savings goals with our wide range of investment options, and protect what’s important to you. Book an appointment with a financial security advisor to purchase a Helios2 contract.

1-877-938-8931 Phone number to purchase a Helios2 contract. This link opens your phone app.

Already invested in a Desjardins GIF?

Log in to WealthLink External link.

What is a guaranteed investment fund?

A guaranteed investment fund (GIF), also called a segregated fund, is a type of investment offered by a life insurance company. It comes with different protection options against market downturns and offers growth potential.

This investment is a good option if you don’t plan on withdrawing your money before the contract matures, and if you’re willing to pay higher management fees for guarantees that reduce risk.

Advantages

Protection against market downturns

Depending on the guarantee you choose, you get full or partial protection from market downturns, and your investment can grow during upturns.

Make it easier for your loved ones after you’re gone

In the event of your death, your beneficiaries will promptly be paid a death benefit outside of the regular estate settlement process. This is done confidentially and at no extra cost.Go to note 1

Protection from inflation

Certain protection options include an annual adjustment, so that increases in the cost of living don’t lower the amount of the guaranteed minimum death benefit.

Creditor protection

Your investment may be exempt from seizures in case of bankruptcy or lawsuits.Go to note 2 This can be especially useful for business owners or other service providers.

Protection options under Helios2

Learn more about our 3 guarantees and see which one is best for you.

 Helios2 contract guarantees

 

Helios2 –
75/75

Helios2 –
75/100 i

Helios2 –
100/100 i

Ideal if you want to

Protect your savings at an affordable price and tap into market growth potential.

Maximize and protect your estate.

Get comprehensive protection without having to compromise on your goals and grow your wealth.

Minimum guaranteed maturity benefit: minimum percentage of your investment you’re guaranteed when the contract maturesGo to note 3

75%

75%

100% of first-year deposits and deposits made in a year following a reset of the guaranteed minimum benefitGo to note 4

75% of other deposits

Minimum guaranteed death benefit: minimum percentage of your investment your beneficiaries are guaranteed in the event of your deathGo to note 5

75%

100%

100%

Protection against inflation: the minimum guaranteed death benefit is adjusted each yearGo to note 6 in line with inflation (up to 5%)

 No

 Yes

 Yes

With the Helios2 – 75/75 and Helios2 – 75/100 i guarantees, you receive the minimum guaranteed maturity benefit at age 105. With the Helios2 – 100/100 i guarantee, you can also get this benefit after any 15-year period.

Eligible savings plans and accounts

GIFs can be held in non-registered savings plans, and in the following registered savings plans: TFSA, RRSP, RRIF, LIRA and LIF.

Deposits and withdrawals

You can make deposits and withdrawals at any time during the contract’s term. However, withdrawing funds will lower your minimum guaranteed benefits. Withdrawals may also have tax implications.

Investment options

Our investment options available under the Helios2 contract help you tap into potential market growth and boost your savings. You can count on our financial security advisors to guide you toward the right solutions for your goals.

Responsible investment portfolios

Are you interested in investing in companies with good environmental, social and governance (ESG) practices? Our responsible investment portfolios combine good potential returns with positive impacts on the environment and communities.

Investment solutions

We offer one-step solutions for your financial needs. Access a variety of funds with complementary management strategies, spread across multiple asset classes and automatically rebalanced every 6 months.

Wise ETF portfolios

Get exchange-traded funds as part of an innovative investment solution. Choose the best portfolio from our 6 options for your goals, investor profile and risk tolerance.

Individual funds

Would you rather choose your investments and how they’re allocated? Explore our diversified individual funds and tailor your investments to your financial goals.

Learn more about our investment options

See our fund pages, rates and performance and leaflet for more information on Helios2 contract investment options (PDF, 534 KB).

See fund pages, rates and performance for guaranteed investment funds.

Track your guaranteed investment funds online

If you’ve purchased a guaranteed investment fund contract, sign up for WealthLink®, our new secure platform to access all your investment information:

  • Value of your investments and guaranteed benefits
  • Return by contract or fund
  • Transactions
  • Beneficiaries, annuitants, contact information, etc.

To learn more, check out our WealthLink video External link..

Sign up for WealthLink External link.

Driven by responsible investment

For more than 30 years, we’ve provided innovative investment solutions that have positive effects on society and the planet. Our responsible investment approach considers environmental, social and governance (ESG) criteria while staying focused on financial returns.

Discover our responsible investment products

FAQ

You can purchase a Helios2 contract at the age of majority in your home province or territory.

The fees vary based on the guarantee, series and funds you choose. To learn more about fees, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).

There are no withdrawal fees, regardless of when or how much money you withdraw.

However, you might be charged fees for frequent or short-term transactions.

To learn more about withdrawal terms for guaranteed investment funds, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).

If you’ve already invested in Desjardins GIFs, log in to WealthLink External link. to see how they’re performing.

You can also see how your GIFs are performing on the Unit prices and performance page.

Inflation is a general increase in prices and the cost of living. As inflation increases, the value of your money decreases. Inflation protection maintains your purchasing power. The minimum guaranteed death benefit is adjusted every year in line with inflation, up to 5% per year and until the annuitant turns 75.

To learn more about inflation protection, which comes with the Helios2 – 75/100 i and Helios2 – 100/100 i guarantee options, see the Helios2 Contract and Information Folder (PDF, 1.83 MB).

Only insurance companies offer guaranteed investment funds. GIFs are similar to mutual funds, but come with guarantees that protect your investment from potential losses. Depending on the guarantee you choose, 75% to 100% of your investment is insured until maturity or you die. GIFs generally have higher management fees than mutual funds because of this protection.

Purchase a Helios2 contract

Book an appointment with a financial security advisor to discuss your needs.

1-877-938-8931 Phone number to purchase a Helios2 contract. This link opens your phone app.

Call customer service

Get support if you’ve already purchased a contract.

1-877-647-5435 Phone number of customer service for contract owners. This link opens your phone app.

Additional information

Helios2 Contract and Information Folder – May 2025 (PDF, 1.35 MB)

Charges and Fees, Fund Codes and Commission Charts (PDF, 1.79 MB)

WealthLink user guide (PDF, 1.46 MB)

Helios2 and DFS Guaranteed Investment Funds are registered trademarks of Desjardins Financial Security Life Assurance Company.
Desjardins Financial Security Guaranteed Investment Funds contracts are sold exclusively by licensed life insurance representatives within Canada. DFS stands for Desjardins Financial Security.
Every effort has been made to ensure that facts and data contained herein are accurate at the time of publication. However, Desjardins Financial Security Life Assurance Company cannot guarantee that they are accurate or complete or that they will be current at all times and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein.
The Contract and Information Folder and the Funds Facts document contain important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios2 and the DFS Guaranteed Investment Funds. The Contract and Information Folder also contains defined terms. Please read these documents carefully before investing.
WealthLink is a registered trademark of LTIMindtree Financial Services Technologies Inc.
Certain conditions apply.
Back to note reference Go to note [ 1 ]
For more information about this protection feature, see the Creditor protection (PDF, 2.54 MB) document.
Back to note reference Go to note [ 2 ]
You will be paid the market value of your contract or the minimum guaranteed maturity benefit, whichever value is greater, less adjustments for withdrawals.
Back to note reference 
This reset automatically occurs every 15 years and at any other time at your request (maximum of two requests per calendar year).
Back to note reference 
Your beneficiary will be paid the market value of your contract or the minimum guaranteed death benefit, whichever value is greater, less adjustments for withdrawals.
Back to note reference 
Adjusted every year until the Annuitant turns 75.
Back to note reference