Are you an investor seeking for both security and returns that are higher than the more familiar secure investments (GICs, term savings)?  Our market linked guaranteed investments offer a 100% capital guarantee and variable return. Our Guaranteed Investments are 3 or 5 year term investments whose returns are tied to a basket of securities in targeted or diversified activity sectors.  They offer a guaranteed minimum return, and the principal is guaranteed at maturity and death.  They are also redeemable and convertible in the event something unexpected happens.

Baskets of Securities & Return Options

Security Basket

Term

3YR Rate of Return

5YR Rate of Return

 

Global Diversified

 

3YR & 5 YR

 

0-8%

(0-2.6%
annual return)

0-8%
(0-3.71% annual return)

0-22%
(0-4.06% annual return on deposits over $50,000 or more with 110% participation rate)

Healthcare

3YR & 5 YR

n/a

1.5 – 15%

 (0.3-2.83% annual return)

Consumer
Staples

3YR & 5 YR

n/a

1.5 – 15%

 (0.3-2.83% annual return)

Financials

3YR & 5 YR

n/a

1.5 – 15%

 (0.3-2.83% annual return)

Canadian Diversified

3YR & 6 YR

n/a

0-unlimited

 

Features of Guaranteed Investments

  • Guaranteed minimum return or principal guaranteed at maturity
  • Risk-free access to securities of well-established companies
  • Higher return potential than fixed-interest term investments
  • No portfolio management and no management fees
  • 100% Death Benefit guarantee
  • Can be surrendered at any time (1)
  • Minimum Deposit of $500
  • Deposits accepted up to age 95
  • Eligible for registered plans (2), including TFSAs
  • Eligible for pension income tax credits
  • Eligible for income splitting
  • Protected by Assuris
  • Creditor Protection when there is a preferred or irrevocable beneficiary
  • Participation rate of 100% or 110% for deposits of $50,000 or more in the Global Diversified basket (5 yrs and 2 days term)
(1) The maximum amount available prior to maturity is the Initial Deposit. A Market Value Adjustment charge may apply.
(2) RRIFs and LIFs are not eligible for periodic payments. If such payments have to be made and only a variable investment is available, 
the investment must be totally or partially surrendered.