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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: November 1, 2018 to December 12, 2018

Issue date: December 19, 20181

Maturity date: December 18, 2023

Investment horizon: 5 years

Investment horizon icon

3 Diversified GIC profiles

GIC weightings presented in a pie chart

 

Diversified GIC – Stability1

 

Interest percentages in a bar graph

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GIC weightings presented in a pie chart

 

Diversified GIC – Balanced1

 

Interest percentages in a bar graph

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GIC weightings presented in a pie chart

 

Diversified GIC – Performance1

Interest percentages in a bar graph

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Conventional fixed-rate GIC at 2.10%

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Canadian Precision 10 GIC

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Global Precision 10 GIC

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Maximum interest at maturity

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Interest guaranteed at maturity

GIC options

Decide whether you want a registered or non-registered Diversified GIC, then select a profile.

Where do you want to invest
My profile
Formula Term Plan Minimum investment Guaranteed interest at maturity Maximum interest at maturity Get this GIC
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Our advisors can help you choose the GIC that's right for you.

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Tip

Want to protect your initial investment from market fluctuations? Learn more about our Non-Redeemable Irregular Term 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

1. The Diversified GIC – Stability, Series 65, Investors Category ("Diversified GIC – Stability"), the Diversified GIC – Balanced, Series 65, Investors Category ("Diversified GIC – Balanced") and the Diversified GIC – 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 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. 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 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. An investment in a Diversified GIC is eligible for Canada Deposit Insurance Corporation (CDIC) insurance, up to the maximum coverage amount. See the terms and conditions set out in the CDIC brochure "Protecting Your Deposits," which you can access online at www.cdic.ca or by calling 1-800-461-2342.

Another great option

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