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Wealth Management

Diversified GICs

Pair the security of a GIC with the growth potential of the stock markets


At a glance1

What are diversified GICs?

Diversified GICs let you choose from three distinct investment solutions. Each is made up of a different mix of a fixed-rate GIC, a Canadian Equity GIC and a Global Equity GIC. Benefit from optimal diversification within a single product, while protecting your investment.

Perfect if you are looking to:

  • Take advantage of market potential
  • Fully protect your initial investment
  • Get guaranteed interest at maturity
  • Make an investment that is eligible for CDIC coverage3

Interest: Compound

Minimum investment: $500

Sales period: September 12, 2019 to October 30, 2019

Issue date:  November 6, 20191

Maturity date: November 6, 2024

Investment horizon: 5 years

Investment horizon icon

3 Diversified GIC Flex Series profiles

GIC weightings presented in a pie chart


Diversified GIC


84 months term


Pourcentages des intérêts présentés en colonnes





GIC weightings presented in a pie chart


Diversified GIC


84 months term


Pourcentages des intérêts présentés en colonnes





GIC weightings presented in a pie chart


Diversified GIC


84 months term


Pourcentages des intérêts présentés en colonnes






Conventional fixed-rate GIC at 2.07%


Canadian Precision 10 GIC


Global Precision 10 GIC


Maximum interest at maturity


Interest guaranteed at maturity

GIC options

Select the formula and investment term for your diversified GIC Flex Series profile. If you’re already a client, you can choose the plan in which to invest your GIC (TFSA, RRSP or non-registered account) in asecond step. 

My profile
Formula Term Plan Minimum investment Rate Interest type Get this GIC
Diversified – ${formule} ${productCriteria.TERMRANGE.criteriaNumericValue} months ${regime} $${productCriteria.AMTRANGE.criteriaLowerValue} ${taux|percent:"true"} ${interet}

${urlForms |link:"Already a client":"btn btnRTE1":"_blank"}
New client

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Do you want to know about the return on your investment right from the start? Find out about the non-redeemable GIC.

Little details that matter

Reference documents

Additional information

Because they are made up of a mix of GICs, Diversified GICS allow you to benefit from optimal diversification within a single product.

Eligible for registered and non-registered accounts. Cannot be transferred.

To invest online, you need to have a National Bank of Canada account. Don't have an account? Contact a National Bank branch.

Legal Disclaimers

Market-Linked GICs issued from January 18, 2017 to November 15, 2019 are subject to a notice of modification of their terms regarding the absence of instruction regarding the payment of amounts payable after the due date.

1. The Diversified GIC Flex Series – Stability, Series 65, Investors Category ("Diversified GIC – Stability"), the Diversified GIC Flex Series – Balanced, Series 65, Investors Category ("Diversified GIC – Balanced") and the Diversified GIC Flex Series – Performance, Series 65, Investors Category ("Diversified GIC – Performance") (or the "Diversified GICs") are not conventional fixed-income instruments, are not suitable for all investor types and carry some risk. Potential investors should consult the relevant fact sheet before investing. The Bank has issued previous series which may have different terms and conditions. Please refer to the rates bulletin for previous series. Terms and expressions not defined have the meaning given in the relevant fact sheet.

2. The variable interest for Diversified GICs Flex Series is based on the return of the three reference assets comprising the Reference Portfolio, namely, the fixed-rate GIC, the Canadian Precision 10 GIC and the Global Precision 10 GIC, which are weighted differently for each Diversified GIC Flex Series. The reference portfolio return is equal to the weighted average return of the reference assets calculated as the sum of the weighted return of each of the reference assets. The variable interest will be a percentage of the principal invested on the issue date ("guaranteed interest") and will be limited to a maximum ("maximum interest"), depending on the Diversified GIC Flex Series selected and specified in the relevant fact sheet.

The reference asset return of the fixed-rate GIC is a percentage specified in the fact sheet.

For the Canadian Precision 10 GIC and the Global Precision 10 GIC, the reference asset return is the arithmetic average of the return on the 10 reference stocks having the sixth to fifteenth highest return of the 20 reference stocks in the basket during the period from the issue date to the valuation date, subject to a maximum and minimum as specified in the relevant fact sheet.

If the return on the reference portfolio is not greater than the guaranteed interest at maturity, only the amount of the guaranteed interest and the principal invested on the issue date is payable.

3. Diversified GICs are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC.

Another great option


Leverage the S&P/TSX index


Minimum investment

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