Contributing to my RRSP: Step 1 of 4

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NBC OptimarketTM GICs (Market-linked GICs)

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

  • 100% principal protected at maturity*.
  • eligible for CDIC deposit insurance.
  • market exposure, allowing for higher potential return than conventional fixed-rate GICs.

* Any NBC Optimarket GIC (market-linked GIC) purchased over the telephone or via the Internet may be cancelled by the buyer within 48 hours of receiving the contract.

Diversified GIC - Stability

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 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).

3. 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.

Diversified GIC - Balanced

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 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).

3. 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.

Diversified GIC - Performance

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 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).

3. 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.

Socially Responsible GIC - Canadian Market

Period/Term Rate contribute
3.5 years Known at maturity
5 years Known at maturity

To invest online, you must have a National Bank account. If you do not have one, please visit one of our branches.

 

1. The Bank may issue several series of the Socially Responsible GIC – Canadian Market in the same year and the features may vary for each issue. It is therefore important to ensure you have the fact sheet corresponding to the issue you want to invest in. 

2. Since the participation factor is less than 100%, if the reference portfolio generates a positive return at maturity, the investor will receive less than the total amount of such return. However, if the reference portfolio generates a negative return at maturity, the investor will still receive the entirety of the principal amount invested. The reference portfolio return will have a direct impact on the interest paid at maturity. If the reference portfolio does not generate a positive return over the term of the Socially Responsible GIC – Canadian Market, the Socially Responsible GIC – Canadian Market will not generate any variable interest and, in this case, no return will be paid. There are no management fees applicable. The reference portfolio return is based on the price return of the reference shares and will not take into consideration dividends paid on the reference shares. There are certain risk factors with respect to an investment in the Socially Responsible GIC – Canadian Market and such an investment may not be suitable for all investors. For further information, please refer to the Information Statement regarding the Socially Responsible GIC – Canadian Market. 

3. See the Information Statement for a description of the methods used to select the reference portfolio. 

4. The Socially Responsible GIC – Canadian Market is eligible for insurance under the Canada Deposit Insurance Corporation (CDIC) up to the maximum amount permitted and subject to the applicable conditions if 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 1-800-461-7232). 

Canadian Banks GIC