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 product suite offers a 1-Year Canadian Financial Services Term Deposit or a Global Diversified Term Deposit with a term length of 3 or 5 years. 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
    • Choose a term length of 1, 3 or 5 years
    • Potential to earn higher returns linked to stock market performance (Canadian or Global options available)
    • Principal investment protected
    • Available as a Registered Account such as an RRSP or TFSA

Talk to our Investment Team

1-Year Canadian Financial Services 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 for a guaranteed minimum rate of return over a shorter term length
  • You want to gain exposure to the Canadian stock market without risking your principal investment

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 – July 30 to September 15, 2018
Product Name
Issue Date Maturity Date Initial Index Minimum Guaranteed Rate Minimum Guaranteed Annual Rate Maximum Rate Maximum Annual Rate of Return
11-Oct-18 11-Oct-19 100 1.60% 1.60% 4.00% 4.00%
12-Oct-18 12-Oct-21 100 3.00% 0.99% 9.00% 2.915%
16-Oct-18 16-Oct-23 100 n/a n/a 60.00% 9.86%
Past Offers and Current Index Values

What stocks make up my Canadian Financial Services term deposit?

The group of eight financial securities noted below includes five national Canadian banks and three multi-national insurance companies, all on the Toronto Stock Market.

What stocks make up my Global Diversified 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.
* The variable return can only be known at maturity, and may be 1.60% for the 1 year term, 3.00% 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; maximum annual returns are compounded annually. Terms and conditions apply. The data provided is for informational purposes, and past performance is not necessarily indicative of future returns.
† On January 2, 2018, Agrium Inc. (AGU CT) and Potash Corporation of Saskatchewan (POT CT) merged to form the new company Nutrien Ltd (NTR CT). This event requires an adjustment of the performance monitoring for both the 3 year and 5 year Safe Bet, No Sweat term deposit products issued between August 19, 2016 and February 21, 2017 inclusive. The two former companies, AGU and POT, were replaced by the new company NTR at the opening of markets on January 2, 2018. The respective performances of AGU and POT will apply to the new company, with adjustment factors for the calculation of the performance as follows:
    - For AGU CT, the adjustment factor by which the starting price must be multiplied is 0.44843 (1 / 2.23)
    - For POT CT, the adjustment factor by which the starting price must be multiplied is 2.5 (1 / 0.4)
For additional information, please phone our Contact Centre at 1.888.517.7000.

For information on changes to deposit insurance and the transition period if we become a federal credit union, see the notice pursuant to the Disclosure on Continuance Regulations (Federal Credit Unions).