Optimarket GIC Variable-Return

Optimarket GIC


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OptimarketTM variable return 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.

Diversified GICs

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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

June 1st, 20151

Presale period

April 20 to May 25, 2015

Reference documents

Index Performance Tracking

Find out more

Variable-return GICs information statement
Diversified GIC Stability
Diversified GIC Balanced
Diversified GIC Performance

Diversified GIC Guaranteed Interest at maturity Maximum Interest at maturity  
Stability 6.06%
(1.18% compounded annually)2
14.81%
(2.80% compounded annually)2
NON REGISTERED RRSP
Balanced 4.20%
(0.83% compounded annually)
17.95%
(3.36% compounded annually)2
NON REGISTERED RRSP
Performance 2.33%
(0.46% compounded annually)
21.08%
(3.90% 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 GIC

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  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

  June 1st, 20151

  Presale period

  April 20 to May 25, 2015

  Reference documents

   Index Performance Tracking

   Find out more

   Variable-return GICs information statement (Agreement)

3.5 year term NON REGISTERED RRSP
5 year term NON REGISTERED RRSP
  • Return tied to a Canadian diversified equity portfolio, 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 of 20 of Canada’s 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 Portfolio 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 Portfolio Return as calculated on the Valuation Date will be multiplied by a Participation Factor of 70%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. The Bank issues multiple series of the Canadian Market GIC 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. A change in the Reference Portfolio has a direct impact on the Variable Interest payable at maturity. If the Reference Portfolio does not generate a positive price return over the term of the Canadian Market GIC, the Canadian Market GIC will not generate any Variable Interest and, in this case, no return will be paid. No management fees are applied. The Reference Portfolio Return is a price return and will not take into account dividends paid on account of the Reference Shares.

3. The Canadian Market GIC is a deposit eligible for deposit insurance from the 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).

Canadian Banks GIC

Investment highlights for this promotional series!1

Type

  Principal 100% protected by National Bank of Canada

Investment horizon

  5 years

Risk level   
Variable return

  Only known at maturity

Minimum investment

  $500

Issue date

  June 1st, 20152

Presale period

  April 20 to May 25, 2015

Guaranteed Interest at maturity   5.10% (1.00% compounded annually)3
Maximum Interest at maturity   25.00% (4.56% compounded annually)3
Reference documents

   Index Performance Tracking

   Find out more

   Variable-return GICs information statement (Agreement)

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 CDIC4
  • To invest, it is required that you have a National Bank of Canada account. Otherwise, please visit one of our branches.

 

1. Offer in effect until May 25, 2015. The Canadian Banks GIC is offered exclusively to investors that purchase with funds transferred from other financial institutions. Offer not valid on transfers from a National Bank account. Cannot be combined with any other offer, promotion, advantage, or deposit product renewal.

2. 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.

3. 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.

4. 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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