The Safe Bet, No Sweat
Market-Linked Term Deposit

Tap into the stock market with a Safe Bet, No Sweat Term Deposit.

The only thing you have to worry about is having nothing to worry about. Accessing the stock market couldn’t be simpler. Even if the market takes a hit, your initial investment is always safe. Save the sweating for your zumba class*.

The Safe Bet, No Sweat Term Deposit is a Global Diversified Term Deposit, so you can invest two ways. The first option gives you a guaranteed minimum return rate, but that guarantee means the maximum amount you can earn is a bit lower. The second option doesn't give you a guaranteed minimum return rate, but the maximum amount you can earn is higher.

Key features:

  • Only need $500 to get started
  • Potential to earn higher returns linked to stock market performance
  • Principal investment protected
  • Available as a Registered Account such as an RRSP, RRIF, RESP or TFSA

Talk to our Investment Team



3-Year Global Diversified with minimum guaranteed return

(Not offered for current sales period)

Features:

  • Initial investment is guaranteed
  • Offers a return that ranges between the guaranteed minimum return and the predetermined maximum return
  • Only need $500 to get started

Best for you if:

  • You're looking to keep your initial investment and grow your money conservatively
  • You want to gain low-risk exposure to global stock markets

5-Year Global Diversified with higher potential variable returns

Features:

  • Initial investment is guaranteed
  • Offers a variable return of up to the predetermined maximum – with much higher potential returns
  • Only need $500 to get started

Best for you if:

  • You're looking to keep your initial investment and diversify your investment portfolio
  • You want to gain low-risk exposure to global stock markets

Current Offer and Past Offers

Current Offer Sale Period –November 27, 2017 to January 27, 2018

Product Name Issue Date Maturity Date Initial Index Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
5-Year Global Diversified (PDF) 16-Feb-18 16-Feb-23 100 n/a n/a 50.00% 8.45%

Past Offers


Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 8-Dec-17 8-Dec-20 100 n/a n/a 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 8-Dec-17 8-Dec-22 100 n/a n/a n/a n/a 30.00% 5.39%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 19-Oct-17 19-Oct-20 100 102.50 2.50% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 17-Oct-17 17-Oct-22 100 100.82 0.82% n/a n/a 20.00% 3.71%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 17-Aug-17 17-Aug-20 100 104.83 4.83% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 17-Aug-17 17-Aug-22 100 104.83 4.83% n/a n/a 20.00% 3.71%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 16-Jun-17 16-Jun-20 100 105.44 5.44% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 16-Jun-17 16-Jun-22 100 105.44 5.44% n/a n/a 20.00% 3.71%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 17-Apr-17 17-Apr-20 100 105.76 5.76% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 18-Apr-17 22-Apr-22 100 105.76 5.76% n/a n/a 25.00% 4.56%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
GuaranteedRate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 21-Feb-17 21-Feb-20 100 109.13 6.00% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 15-Feb-17 15-Feb-22 100 109.13 9.13% n/a n/a 25.00% 4.56%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 12-Dec-16 12-Dec-19 100 111.89 6.00% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 13-Dec-16 13-Dec-21 100 111.89 11.89% n/a n/a 25.00% 4.56%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 18-Oct-16 18-Oct-19 100 115.09 6.00% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 18-Oct-16 18-Oct-21 100 115.09 15.09% n/a n/a 25.00% 4.56%
Product Name Issue   Date Maturity Date Initial Index Index as at:
November 30, 2017
Variable Return as at:
November 30, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 22-Aug-16 22-Aug-19 100 111.36 6.00% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 19-Aug-16 19-Aug-21 100 111.36 11.36% n/a n/a 25.00% 4.56%

What stocks make up my market-linked term deposit?

Diversification is an important component of any investment strategy. To help add diversification to your investment portfolio, the return of our Global Diversified Market Linked Term Deposit is based on the performance of 20 carefully selected stocks.

Security Stock Market
Air Products & Chemicals Inc (APD UN) New York SE
BCE Inc (BCE CT) Toronto
Canadian National Railway Co (CNR CT) Toronto
Geberit AG (GEBN VX) SIX Suisse
Genuine Parts Co (GPC UN) New York SE
Hennes & Mauritz AB (HMB SS) Stockholm
Johnson & Johnson (JNJ UN) New York SE
L'Oreal SA (OR FP) Paris
Muenchener Rueckversicherungs-Gesellschaft AG in Muenchen (MUV2 GY) XETRA Frankfurt
National Grid PLC (NG/ LN) London SE
Security Stock Market
Paychex Inc (PAYX UW) Nasdaq GS
Procter & Gamble Co/The (PG UN) New York SE
Public Storage (PSA UN) New York SE
Royal Bank of Canada (RY CT) Toronto
Takeda Pharmaceutical Co Ltd (4502 JT) Tokyo SE
Thomson Reuters Corp (TRI CT) Toronto
Toronto-Dominion Bank/The (TD CT) Toronto
TransCanada Corp (TRP CT) Toronto
Vodafone Group PLC (VOD LN) London SE
Woodside Petroleum Ltd (WPL AT) Australian SE
Pie charts

Need a hand?

Our experienced investment team can help with an investment plan that's right for you.
Give us a shout at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

Talk to our Investment Team Find a branch


* The variable return can only be known at maturity, and may be 2.50% for the 3 year term or nil for the 5 year term. These investments cannot be transferred or redeemed and we will not pay any interest or principal before maturity. Terms and conditions apply.