National Bank OptimarketTM GIC (Variable Return)
National Bank OptimarketTM GICs are a great investment! Our range of variable-return GICs have innovative features and are RRSP and TFSA-eligible:
Be sure to check out the details of each of the products below to find out how National Bank OptimarketTM GICs can be an integral part of your portfolio and your retirement strategy.
Diversified GICs S&P/TSX 60 Index-linked GIC Canadian Advantage 8 Plus GIC compound interest Canadian Advantage 8 GIC
NBC OptimarketTM GIC is a trademark of National Bank of Canada.
Diversified GICs
Diversified GICs offer an array of guaranteed investment certificates, allowing for optimal diversification in a single investment solution while ensuring peace of mind due to 100% capital protection and a Guaranteed Interest at maturity. Choose from three distinct investment solutions which combine different weightings in a Fixed-rate GIC, a GIC linked to Canadian equity markets and a GIC linked to global equity markets.
Three turnkey solutions providing principal protection at maturity:
May 22, 2012 to June 20, 2012
Variable-return GICs information statement (Agreement - 19 pages) Diversified GIC – Stability Diversified GIC – Balanced Diversified GIC – Performance
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).
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National Bank S&P/TSX 60 Index-linked GIC
3.5-year term or invest outside your RRSP
1 More than one issue of the National Bank S&P/TSX 60 Index-linked 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 benchmark index, which reflects the change in the underlying portfolio's return, has a direct impact on the interest payable. It is therefore possible that no interest will be paid. No management fees are applied. The return generated by the index does not reflect the payment of dividends or regular distributions on shares or other securities included in the index. 3 The National Bank S&P/TSX 60 Index-linked GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (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). The S&P/TSX 60 Index-linked GIC is not sponsored, endorsed, sold or promoted by Standard & Poor's ("S&P") or its third party licensors. Neither S&P nor its third party licensors makes any representation or warranty, express or implied, to the owners of the S&P/TSX 60 Index-linked GIC or any member of the public regarding the advisability of investing in securities generally or in the S&P/TSX 60 Index-linked GIC particularly or the ability of the S&P/TSX 60 (the "Reference Index") to track general stock market performance. S&P and its third party licensor's only relationship to the Bank is the licensing of certain trademarks and trade names of S&P and the third party licensors and of the Reference Index which is determined, composed and calculated by S&P or its third party licensors without regard to the Bank or the S&P/TSX 60 Index-linked GIC. S&P and its third party licensors have no obligation to take the needs of the Bank or the owners of the S&P/TSX 60 Index-linked GIC into consideration in determining, composing or calculating the Reference Index. Neither S&P nor its third party licensors is responsible for and has not participated in the determination of the prices and amount of the S&P/TSX 60 Index-linked GIC or the timing of the issuance or sale of the S&P/TSX 60 Index-linked GIC or in the determination or calculation of the equation by which the S&P/TSX 60 Index-linked GIC are to be converted into cash. S&P has no obligation or liability in connection with the administration, marketing or trading of the S&P/TSX 60 Index-linked GIC.
Canadian Advantage 8 Plus GIC compound interest
or invest outside your RRSP
1 More than one issue of the Canadian Advantage 8 Plus 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 Portfolio's return has a direct impact on the interest payable. If the Reference Portfolio does not yield at least 2.53% at maturity, the GIC will not produce any variable interest. It is therefore possible that no variable interest will be paid at term. No management fees are applied. The return generated by the Reference Portfolio does not take into account the payment of dividends or distributions on the common stocks included in the Reference Portfolio. 3 The Canadian Advantage 8 Plus GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (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 Advantage 8 GIC
1 More than one issue of the Canadian Advantage 8 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 Portfolio Return has a direct impact on the interest payable. If the Reference Portfolio does not yield a positive return at maturity, the GIC will not produce any variable interest. It is therefore possible that no variable interest is paid at term. No management fees are applied. The return generated by the Reference Portfolio does not take into account the payment of dividends or distributions on the common stocks included in the Reference Portfolio. 3 The Canadian Advantage 8 GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (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).
