National Bank OptimarketTM GIC (Variable-Return)

The protection of a GIC combined with the return potential of the market.

Key Benefits:

  • 100% principal protected at maturity
  • Eligible for the deposit insurance provided by the Canada Deposit Insurance Corporation (CDIC)
  • Market exposure, allowing for higher potential return than conventional fixed-rate GICs

Be sure to check out the details of each of the products below to find out how National Bank OptimarketTM GICs can be an integral part of your portfolio and your retirement strategy.

S&P/TSX 60 Index-Linked GIC
Diversified GICs
Canadian Advantage 8 GIC (5 years)
Canadian Advantage 8 GIC (3.5 years)

NBC OptimarketTM GIC is a trademark of National Bank of Canada.

National Bank S&P/TSX 60 Index-Linked GIC

Type Principal 100% protected by National Bank of Canada
Investment horizon 5 years
Risk level
Variable return Only known at maturity
Minimum investment $500
Issue date April 24, 20141
Presale period

March 17, 2014 to April 17, 2014


or contribute to an RRSP
  • Index Performance Tracking
    (6 pages)
    Find out more
    (4 pages)
    Variable-return GICs information statement (Agreement)
    (12 pages)
    Return tied to the S&P/TSX 60 index, which provides exposure to the stock market without the attendant risk of loss of principal.
  • Enables you to benefit from gains in the value of a portfolio consisting of shares in 60 of Canada’s leading companies in different sectors of activity.
  • Potential return: At maturity, the Variable Interest, if any, will not be subject to a cap. However, any positive Reference Index Return as calculated on the Valuation Date will be multiplied by a Participation Factor of 70%.2
  • Non-transferable.
  • Eligible for deposit insurance from CDIC3.
  • To contribute online, it is required that you have a National Bank of Canada account. Otherwise, please visit one of our branches.

1 More than one issue of the National Bank S&P/TSX 60 Index-linked GIC may be offered in the same year and features may vary for each issue. Consequently, it is very important to ensure that the fact sheet you have corresponds to the issue you want to invest in.

2 The change in the benchmark index, which reflects the change in the underlying portfolio's return, has a direct impact on the interest payable. It is therefore possible that no interest will be paid. No management fees are applied. The return generated by the index does not reflect the payment of dividends or regular distributions on shares or other securities included in the index.

3 The National Bank S&P/TSX 60 Index-linked GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC), subject always to maximum coverage limitations and provided the deposit is made in accordance with the conditions set out by the CDIC as indicated in its Protecting Your Deposits brochure (available online at www.cdic.ca or by telephone at 1-800-461-2342).

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Diversified GICs

Diversified GICs offer an array of guaranteed investment certificates, allowing for optimal diversification in a single investment solution while ensuring peace of mind due to 100% capital protection and a Guaranteed Interest at maturity. Choose from three distinct investment solutions which combine different weightings in a Fixed-rate GIC, a GIC linked to Canadian equity markets and a GIC linked to global equity markets.

Three turnkey solutions providing principal protection at maturity:

  • Diversified GIC - Stability, Series 31, Investors Category
  • Diversified GIC - Balanced, Series 31, Investors Category
  • Diversified GIC - Performance, Series 31, Investors Category
Type Principal 100% protected at maturity by National Bank of Canada
Investment horizon 5 years
Risk level
Return (%) Only known at maturity
Minimum investment $500
Issue date

April 24, 20141

Presale period

March 31, 2014 to April 17, 2014

  • Index Performance Tracking
    (6 pages)
    Find out more
    (4 pages)

    Variable-return GICs information statement (Agreement - 19 pages)
    Diversified GIC Stability
    Diversified GIC Balanced
    Diversified GIC Performance

    Principal 100% protected at maturity
  • Offers the benefit of an investment solution which combines a
    Fixed-rate GIC, a GIC linked to Canadian equity markets
    and a GIC linked to global equity markets.
  • Eligible for registered and non-registered accounts
  • Non-transferable.
  • Product eligible for deposit insurance offered by CDIC3.
  • To invest, it is required that you have a National Bank of
    Canada account. Otherwise, please visit one of our branches.

Diversified GIC Stability Balanced Performance
Guaranteed Interest at maturity

8.18%
(1.59% compounded annually)

5.67%
(1.11% compounded annually)

3.15%
(0.62% compounded annually)

Maximum Interest at maturity

20.43%
(3.79% compounded annually)2

24.92%
(4.55% compounded annually)2

29.40%
(5.29% compounded annually)2


or contribute to an RRSP

or contribute to an RRSP

or contribute to an RRSP

1 More than one issue of the Diversified GIC may be offered in the same year and features may vary for each issue. Consequently, it is very important to ensure that the fact sheet you have corresponds to the issue you want to invest in.

2 The change in the Reference Asset Return has a direct impact on the Variable Interest. If the Reference Portfolio does not generate a positive price return at maturity that is greater than the Guaranteed Interest, the Diversified GICs will generate only the Guaranteed Interest in addition to the principal invested on the Issue Date.

3 The Diversified GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC), subject to maximum coverage limitations and provided the deposit is made in accordance with the conditions set out by the CDIC as indicated in its "Protecting Your Deposits" brochure (available online at www.cdic.ca or by telephone at 1-800-461-2342).