Optimarket GIC Variable-Return

NBC Optimarket TM 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 CDIC deposit insurance
  • Market exposure, allowing for higher potential return than conventional fixed-rate GICs

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

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

3.5 years and 5 years

Risk level

Variable return

Only known at maturity

Minimum investment

$500

Issue date

August 8, 20141

Presale period

June 16, 2014 to July 31, 2014

3.5-year term
Contribute
or invest outside your RRSP

5-year term
Contribute
or invest outside your RRSP

  • 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:
    • 3.5-year term: 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
    • 5-year term: 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
  • 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).

The S&P/TSX 60 Index-linked GIC is not sponsored, endorsed, sold or promoted by Standard & Poor's (“S&P”) or its third party licensors. Neither S&P nor its third party licensors makes any representation or warranty, express or implied, to the owners of the S&P/TSX 60 Index-linked GIC or any member of the public regarding the advisability of investing in securities generally or in the S&P/TSX 60 Index-linked GIC particularly or the ability of the S&P/TSX 60 (the “Reference Index”) to track general stock market performance. S&P and its third party licensor's only relationship to the Bank is the licensing of certain trademarks and trade names of S&P and the third party licensors and of the Reference Index which is determined, composed and calculated by S&P or its third party licensors without regard to the Bank or the S&P/TSX 60 Index-linked GIC. S&P and its third party licensors have no obligation to take the needs of the Bank or the owners of the S&P/TSX 60 Index-linked GIC into consideration in determining, composing or calculating the Reference Index. Neither S&P nor its third party licensors is responsible for and has not participated in the determination of the prices and amount of the S&P/TSX 60 Index-linked GIC or the timing of the issuance or sale of the S&P/TSX 60 Index-linked GIC or in the determination or calculation of the equation by which the S&P/TSX 60 Index-linked GIC are to be converted into cash. S&P has no obligation or liability in connection with the administration, marketing or trading of the S&P/TSX 60 Index-linked GIC.

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Diversified GIC

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 34, Investors Category
  • Diversified GIC - Balanced, Series 34, Investors Category
  • Diversified GIC - Performance, Series 34, 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

August 8, 20141

Presale period

June 16, 2014 to July 31, 2014

  • 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.
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

Diversified GIC Stability Balanced Performance
Guaranteed Interest at maturity 8.00%
(1.55% compounded annually)
5.54%
(1.08% compounded annually)
3.08%
(0.61% compounded annually)
Maximum Interest at maturity 20.25%
(3.76% compounded annually)2
24.79%
(4.53% compounded annually)2
29.33%
(5.28% compounded annually)2
  Contribute
or invest outside your RRSP
Contribute
or invest outside your RRSP
Contribute
or invest outside your 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).

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