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:

  • 3-year and 5-year terms available
  • 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

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 – May 29, 2017 to July 22, 2017

Product Name Issue Date Maturity Date Initial Index 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 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 17-Aug-17 17-Aug-22 100 n/a n/a 20.00% 3.71%

Past Offers


Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 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 n/a n/a 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 16-Jun-17 16-Jun-22 100 n/a n/a n/a n/a 20.00% 3.71%
Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 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 n/a n/a 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 18-Apr-17 22-Apr-22 100 n/a n/a n/a n/a 25.00% 4.56%
Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 2017*
Minimum
Guaranteed
Rate
Minimum Guaranteed
Annual Rate
Maximum Rate Maximum Annual
Rate of Return
3-Year Global Diversified (PDF) 21-Feb-17 21-Feb-20 100 102.50 2.50% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 15-Feb-17 15-Feb-22 100 101.20 1.20% n/a n/a 25.00% 4.56%
Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 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-19 100 103.86 3.86% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 13-Dec-16 13-Dec-21 100 103.86 3.86% n/a n/a 25.00% 4.56%
Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 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-19 100 106.35 6.35% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 18-Oct-16 18-Oct-21 100 106.35 6.35% n/a n/a 25.00% 4.56%
Product Name Issue Date Maturity Date Initial Index Index as at:
March 31, 2017
Variable Return as at:
March 31, 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-19 100 102.80 2.80% 2.50% 0.83% 6.00% 1.96%
5-Year Global Diversified (PDF) 19-Aug-16 19-Aug-21 100 102.80 2.80% 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
Canadian Imperial Bank of Commerce (CM CT) Toronto
Eli Lilly & Company (LLY UN) New York SE
Engie ( ENGI FP) Paris
Hennes & Mauritz AB (HMB SS) Stockholm SE
Kone OYJ (KNEBV FH) Helsinki SE
Power Corporation of Canada (POW CT) Toronto
Reckitt Benckiser Group Plc (RB/LN) London SE
Rogers Communications Inc. (RCI/B CT) Toronto
Royal Dutch Shell Plc (RDSA NA) EN Amsterdam
Security Stock Market
Suncor Energy Inc. (SU CT) Toronto
T. Rowe Price Group Inc. (TROW UQ) NASDAQ GS
Takeda Pharmaceutical Company Limited (4502 JT) Tokyo SE
Telstra Corporation Limited (TLS AT) Australian SE
Texas Instruments Inc. (TXN UQ) NASDAQ GS
The Hershey Company (HSY UN) New York SE
Bank of Montreal (BMO CT) Toronto
The TJX Companies Inc. (TJX UN) New York SE
Thomson Reuters Corporation (TRI CT) Toronto
Waste Management Inc. (WM UN) New York 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.

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* 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.