Compare and Contribute RRSP

risque_1_1

Guaranteed Capital Solutions ?

Promotional GICs

Also available for Non-registered accounts

Term Risk level Return (%)
Evoluterm GIC
3 years 1st year : 1.150 %
2nd year : 1.500 %
3rd year : 1.650 %
Known final return CONTRIBUTE
5 years 1st year : 1.000 %
2nd year : 1.200 %
3rd year : 1.600 %
4th year : 1.900 %
5th year : 2.150 %
Known final return CONTRIBUTE
Non-redeemable Escalarater GIC
3 years Average rate
1.548 %
Preferred rate 3 rd year:
2.300 %
CONTRIBUTE
5 years Average rate
2.132 %
Preferred rate 5 th year:
4.450 %
CONTRIBUTE
Non-redeemable irregular term GIC
15 months 1.200 % Known final return CONTRIBUTE
20 months 1.300 % Known final return CONTRIBUTE
37 months 1.700 % Known final return CONTRIBUTE
51 months 1.850 % Known final return CONTRIBUTE
58 months 2.200 % Known final return CONTRIBUTE
Redeemable Escalarater GIC
3 years Average rate
1.316 %
Preferred rate 3 rd year:
1.750 %
CONTRIBUTE
5 years Average rate
1.746 %
Preferred rate 5 th year:
3.400 %
CONTRIBUTE
Monthly cash management GIC
Amount invested: $5,000 to $99,999 0.650 % Known final return CONTRIBUTE
$100,000 to $499,999 0.750 % Known final return CONTRIBUTE
$500,000 to $999,999 1.000 % Known final return CONTRIBUTE
Flexiterm GIC
18 months 1.000 % Known final return CONTRIBUTE

Conventional GICs

Also available for TFSA and Non-registered accounts

Term Risk level Return (%)
Evoluterm GIC

3 months

Rate
0.550 %
Known final return CONTRIBUTE

6 months

Rate
0.700 %
Known final return CONTRIBUTE

1 year

Rate
0.900 %
Known final return CONTRIBUTE

18 months

Rate
0.950 %
Known final return CONTRIBUTE

2 years

Rate
1.150 %
Known final return CONTRIBUTE

3 years

Rate
1.250 %
Known final return CONTRIBUTE

4 years

Rate
1.500 %
Known final return CONTRIBUTE

5 years

Rate
1.750 %
Known final return CONTRIBUTE
TermNote Plus GIC

61 months

Rate
1.850 %
Known final return CONTRIBUTE

84 months

Rate
2.050 %
Known final return CONTRIBUTE

NBC Optimarket GICs (variable return) 1

Also available for
Non-registered accounts

Term Risk level Guaranteed Interest
at maturity
Maximum Interest
at maturity
S&P/TSX 60 Index-Linked (5 years) GIC
3.5 years N/A 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 50%2

contribute

5 years N/A 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 68%2 CONTRIBUTE
Diversified GICs
5 years

8.00%
(approximately 1.55% compounded annually)3

20.25%
(approximately 3.76% compounded annually)3


Diversified GIC - Stability

CONTRIBUTE
 

5 years

5.54%
(approximately 1.08% compounded annually)3

24.79%
(approximately 4.53% compounded annually)3

Diversifed GIC -Balanced

contribute

5 years

3.08%
(approximately 0.61% compounded annually)3

29.33%
(approximately 5.28% compounded annually)3


Diversified GIC - Performance

Contribute

           

1 The NBC OptimarketTM GICs are not a conventional fixed income investment, are not suitable for all types of investors and are subject to a number of risk factors. Potential purchasers should consult the Information Statement before investing. The Bank has issued previous series which may have different terms and conditions. Please refer to our website for the list of terms and conditions, compared to the previous series. Capitalized terms used and not otherwise defined herein have the meaning ascribed thereto in the relevant Information Statement. NBC OptimarketTM GIC is a trademark of the National Bank of Canada.

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 Diversified GICs offer three distinct investment solutions which combine different weightings of a fixed-rate GIC, a GIC linked to Canadian equity markets and a GIC linked to global equity markets. The Variable Interest of the Diversified GICs is based on the return of the three Reference Assets comprised in the Reference Portfolio. The Reference Portfolio Return is equal to the weighted average return of the Reference Assets, calculated as the sum of the Weighted Reference Asset Return of the Reference Assets. The Variable Interest will be no less than the Guaranteed Interest and will be limited to the Maximum Interest. Refer to the table above for details on each Diversified GIC. No interest or any other amount will be paid during the term of the Diversified GICs. Notwithstanding whether the Reference Portfolio Return is positive or not at maturity, the Diversified GICs will generate the Guaranteed Interest. However, if the Reference Portfolio Return is not greater than the Guaranteed Interest, the Diversified GICs will generate only the Guaranteed Interest in addition to the principal invested on the Issue Date. Fluctuations in currency exchange rates of the Reference Shares of the Global Precision 10 will affect the performance of the Reference Asset Return of the Global Precision 10 comprised in the Reference Portfolio and therefore, the Reference Portfolio Return and as a result, the value of the Diversified GICs.