National Bank OptimarketTM GIC

Variable rate investments with market-linked return

Optimarket GIC


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NBC OptimarketTM GICs offer a range of investment solutions that help you take advantage of the growth potential of equity markets. They also give you peace of mind, as your investment is 100% principal protected at maturity.

Type Principal fully protected at maturity
Risk level

Diversified GICs

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Investment horizon

5 years

Return (%)

Only known at maturity

Minimum investment

$500

Issue date

September 13, 2017

Presale period

July 20 to September 6, 2017

Reference documents

Index Performance Tracking [pdf]
Find out more [pdf]

Market-linked GICs Information Statement:
Diversified GIC Stability [pdf]
Diversified GIC Balanced [pdf]
Diversified GIC Performance [pdf]

Diversified GIC Guaranteed Interest at maturity Maximum Interest at maturity  
Stability 7.12%
(1.38% compounded annually)2
16.74%
(3.14% compounded annually)2
NON REGISTERED RRSP
Balanced 4.93%
(0.97% compounded annually)
20.05%
(3.72% compounded annually)2
NON REGISTERED RRSP
Performance 2.74%
(0.54% compounded annually)
23.36%
(4.29% compounded annually)2
NON REGISTERED RRSP
  • 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.

 

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).

Canadian Market Low Volatility GIC

Canadian Market Low Volatility GICi

Offer yourself the growth potential of the S&P/TSX Composite Low Volatility Index while providing you with 100% guaranteed capital at maturity.

The Canadian Market Low Volatility GIC is based on the S&P/TSX Composite Low Volatility Index, designed to measure the performance of the 50 least volatile securities included in the S&P/TSX Composite Index. The volatility of a security is represented by the magnitude and frequency of the changes in the security's value over a given time period. As is illustrated by the chart below, the higher the magnitude of the changes in the security's value, the more volatile the security.

graphic-low-volatility-367x313

The example of volatility here is only provided for illustration purposes. It should not be interpreted as a forecast or projection.

Non Registered RRSP

Investment horizon

3 years or 5 years

Variable return

Only known at maturity

Minimum investment

$500

Issue date

September 13, 20171

Presale period

July 20 to September 6, 2017

Plan eligibility

Registered and non-registered accounts

Access to funds

Not redeemable before maturity

Transferability

Cannot be transferred to a RRIF

Reference documents

Index Performance Tracking [pdf]
Pamphlet on the Socially Responsible GIC – Canadian Market [pdf]
Information Statement on market-linked GICs[pdf]

Term Participation factor Interest Type of account
3 years 60.00%2 Compound NON REGISTERED RRSP
5 years 100.00% Compound NON REGISTERED RRSP
  • Variable Interest, if any, will be determined based on the price performance of the Reference Assets based on the S&P/TSX Composite Low Volatility Index, which measure the performance of the 50 least volatile securities included in the S&P/TSX Composite Index. The principal is fully protected at maturity.  
  • Potential return: Any positive Reference Portfolio Return will be multiplied by a Participation Factor, which will result in investors receiving less than the full return of the Reference Portfolio if the Participation Factor is less than 100%. If the Reference Portfolio does not generate a positive price return over the term of the Canadian Market Low Volatility GIC, it will generate no Variable Interest and no return will be made. The Reference Asset Return will be based on the average of the three closing levels of the Reference Asset determined over the last three months of the Canadian Market Low Volatility GIC
  • Insured under the Canada Deposit Insurance Corporation (CDIC).
  • To invest online, you must have a National Bank account. If you do not have one, please visit one of our branches.

Legal Notice

1. The Bank may issue several series of the Canadian Market Low Volatility GIC 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. The return of the Reference Asset is a price return and will not include dividends and/or distributions paid by issuers or components of the Reference Asset. There are certain risk factors with respect to an investment in the Canadian Market Low Volatility GIC and such an investment may not be suitable for all investors. For further information, please refer to the Information Statement regarding the Canadian Market Low Volatility GIC.

3. The Canadian Market Low Volatility GIC is a deposit eligible for deposit insurance by the Canada Deposit Insurance Corporation (CDIC), subject to the maximum dollar limit of CDIC coverage and applicable conditions. More information about CDIC deposit insurance can be found in the “Protecting Your Deposits” brochure (available online at cdic.ca or by telephone at 1-800-461-2342).

 

[1]  The Canadian Market Low Volatility, Series 1, Investors Category, 3-year term herein referred to as “3-year GIC” and the Canadian Market Low Volatility GIC, Series 1, Investors Category, 5-year term herein referred to as “5-year GIC” and together with the 3-year GIC, as “Canadian Market Low Volatility GIC”.

Canadian Banks GIC

Investment horizon

  5 years

Variable return

  Only known at maturity

Minimum investment

  $500

Issue date

  September 13, 20171

Presale period

  July 20 to September 6, 2017

Guaranteed Interest at maturity   0.00% 
  (0.00% compounded annually)2
Maximum Interest at maturity   22.50% 
  (4.14% compounded annually)2
Reference documents   Index Performance Tracking [pdf]
  Find out more [pdf]
  Market-linked GICs Information Statement Canadian Banks GIC [pdf]
5 year term NON REGISTERED RRSP
  • Linked to the appreciation of the common shares of six Canadian Banks. 
  • 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.

 

1. More than one issue of the Canadian Banks 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 Share 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 Canadian Banks GIC will generate only the Guaranteed Interest in addition to the principal invested on the Issue Date.

3. The Canadian Banks 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).

Global Equity GIC

Investment horizon

  2,5 years

Variable return

  Only known at maturity

Minimum investment

  $500

Issue date

  September 13, 20171

Presale period

  July 20 to September 6, 2017

Maximum Interest at maturity   6.00% 
  Approximately (2.36% compounded annually)2
Reference documents   Index Performance Tracking [pdf]
  Find out more [pdf]
  Market-linked GICs Information Statement Global Equity GIC
2,5 year term NON REGISTERED RRSP
  • Linked to the return of a portfolio composed of the common shares of 20 global companies.
  • Investment solution allowing for geographic and sector diversification in a single investment.
  • Eligible for registered and non-registered accounts. 
  • Eligible for CDIC deposit insurance3
  • Non-transferable. 
  • To invest, 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 Global Equity GIC may be offered in the same year and the terms and conditions 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 Share Return has a direct impact on the Variable Interest. If the Reference Portfolio does not generate a positive price return at maturity, the Global Equity GIC will not generate any Variable Interest in addition to the principal invested on the Issue Date.

3. The Global Equity 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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