National Bank OptimarketTM GIC

Market-linked return

Optimarket GIC


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NBC OptimarketTM GICs offer a range of investment options to help you take full advantage of market potential. 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

August 19, 20151

Presale period

June 22 to August 12, 2015

Reference documents

Index Performance Tracking

Find out more

Market-linked GICs Information Statement
Diversified GIC Stability
Diversified GIC Balanced
Diversified GIC Performance

Diversified GIC Guaranteed Interest at maturity Maximum Interest at maturity  
Stability 6.77%
(1.32% compounded annually)2
15.52%
(2.93% compounded annually)2
NON REGISTERED RRSP
Balanced 4.68%
(0.92% compounded annually)
18.43%
(3.44% compounded annually)2
NON REGISTERED RRSP
Performance 2.60%
(0.52% compounded annually)
21.35%
(3.95% 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).

Socially Responsible GIC – Canadian Market

Looking for a socially responsible investment?

Are environmental, social and governance (ESG) practices important considerations for you? Would you like to tap into the growth potential of a reference portfolio of socially responsible companies?

Make your values count!

The Socially Responsible GIC – Canadian Market enables you to benefit from the growth potential of securities from Canadian companies engaged in sustainable development and social responsibility, while maintaining a 100% guaranteed capital.

What is socially responsible investment?

It is an investment approach that takes into consideration ESG practices in conjunction with traditional financial analysis. Here are some examples of ESG issues that may be addressed by a company that is considered socially responsible:

Environment

Environment

  • Climate change 
  • Water scarcity 
  • Greenhouse gas emissions 
  • Biodiversity
  • Waste management 
Social

Social

  • Community relations
  • Labour standards
  • Human rights
  • Supply chain
Governance

Governance

  • Business ethics
  • Shareholder rights 
  • Compensation 
  • Board diversity 
  • Political contributions 
Non Registered RRSP

Investment horizon

3.5 years or 5 years

Variable return

Only known at maturity

Minimum investment

$500

Issue date

August 19, 20151

Presale period

June 22 to August 12, 2015

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

Term Participation factor Interest Type of account
3.5 years 55% Compound NON REGISTERED RRSP
5 years 77% Compound NON REGISTERED RRSP
  • The variable interest is based on the price return of a reference portfolio of common shares in 15 socially responsible Canadian companies from different business sectors. The principal is fully protected at maturity. 
  • Potential return: At maturity, the variable interest, if any, will not be capped. However, a positive reference portfolio return as calculated on the valuation date will be multiplied by a participation factor2
  • Reference portfolio developed in partnership with Sustainalytics, a leading independent provider of ESG research and analysis to investors around the world3.
  • Insured under the Canada Deposit Insurance Corporation (CDIC)4
  • 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

Investment highlights for this promotional series!1

Investment horizon

  5 years

Variable return

  Only known at maturity

Minimum investment

  $500

Issue date

  August 19, 20151

Presale period

 June 22 to August 12, 2015

Guaranteed Interest at maturity   5.10% (1.00% compounded annually)2
Maximum Interest at maturity   25.00% (4.56% compounded annually)2
Reference documents

   Index Performance Tracking

   Find out more

   Variable-linked GICs Information Statement Canadian Banks GIC

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).

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