Diversified GICs

Diversified GICs allow you to choose from three distinct investment solutions which combine different weightings of a fixed-rate GIC, a GIC linked to the Canadian equity market and a GIC linked to global equity markets, while ensuring peace of mind due to capital protection and a guaranteed interest at maturity. 

A quick view


Investment horizon

5 years

 

  5 ans

  5 ans


Issue date

December 20, 2017

  5 ans

  5 ans


Minimal amount

$500

 

  5 ans

  5 ans


Return

Only known at maturity


Presale period

October 26 to December 13, 2017

  5 ans

  5 ans

Reference documents

STABILITY

 

Rate

Guaranteed Interest at maturity

7.47%

(1.45% compounded annually)2

Maximum Interest at maturity

17.97%

(3.36% compounded annually)2
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance

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BALANCED

 

Rate

Guaranteed Interest at maturity

5.17%

(1.01% compounded annually)

Maximum Interest at maturity

21.67%

(4.00% compounded annually)2
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance

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PERFORMANCE

 

Rate

Guaranteed Interest at maturity

2.87%

(0.57% compounded annually)

Maximum Interest at maturity

25.37%

(4.63% compounded annually)2
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance
Intérêt garanti à l'échéance

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Additional information
 

Market-linked GICs Information Statement:

 

> 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).

Explore other Guaranted Investment Certificates:

Explore other Guaranted Investment Certificates:

 

 

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RRSPs and taxes

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RRSP ot TFSA?

RRSPs and TFSAs were designed to meet different objectives. The RRSP is a vehicle to help save for retirement, while the TFSA was created to help save for more short-term projects, like buying a car.

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Planning your retirement

Does retirement seem a long way off? By starting early to save for your older age, you have time on your side to accumulate what you need to maintain your standard of living… Maybe until you’re 100!

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