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American Diversified Term Deposit

Growth based on American stock market performance.

Growth based on American stock market performance.

  • Market performance-based rate
  • $500 minimum
  • RRSP, RESP and TFSA eligible
  • Sold and held in Canadian funds†
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The American Diversified Term Deposit combines the security of a term deposit with the growth potential of the stock market, all without risking your principal investment.

Like standard term deposits, you're guaranteed the full amount of your deposit at maturity. However, unlike standard term deposits, the actual rate of return is dependent on the performance of a reference portfolio, comprised of 20 "name brand" American companies, each weighted at 5%.

Features

  • Opportunity to participate in the growth potential of equity markets
  • No risk to the investment principal
  • Potential for greater returns than traditional term deposits
  • No commissions or management fees
  • Low minimum deposit ($500)
  • Term length of 5 years; non-redeemable
  • Interest is compounded annually; paid at maturity
  • Monthly online updates track performance
  • Deposits are 100% guaranteed*

How the rate of return is determined

As shown in the table below, you are guaranteed a minimum rate of return. Then, as the performance of the reference portfolio varies, so does your rate of return - up to the maximum rates indicated.

Return rates for American Diversified Term Deposit
Return5 years
If the basket (group of securities) appreciates by less than:
…the return will be:
0.0%
0.0%
If the basket appreciates between:
…the return will be:
0.0% to 50.0%
The actual rate of return
If the basket appreciates by more than:
…the return will be:
50.0%
50.0%

The American corporations comprising the reference portfolio are drawn from the following sectors:

Index-Linked Term Deposit Sector Allocation

Past Performance**

Performance for American Index-Linked Term Deposit
 Average annual returnMaximum annual return (current issue)
American Diversified 6.79% 78.45%
**The data presented is for informational purposes; past performance is not necessarily indicative of future results. Compound annual return was calculated by applying the current characteristics of the American Diversified Term Deposit over the last 200 5 year periods ending each month between 03/29/2002 and 10/31/2018. Maximum annual returns are compounded annually. Current maximums are for the issue sales period November 26, 2018 to January 28, 2018.

Rates †

American Diversified Term Deposit (RRSP, RESP eligible, minimum $500) (Rates effective 2018-11-30)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Oct 12, 2018 5 years 100.00 100.41 0.41% 42.00%
Aug 21, 2018 5 years 100.00 101.14 1.14% 24.00%
Jun 13, 2018 5 years 100.00 104.55 4.45% 24.00%
Apr 17, 2018 5 years 100.00 108.52 8.52% 27.00%
Feb 14, 2018 5 years 100.00 110.79 10.79% 24.00%
Dec 13, 2017 5 years 100.00 106.76 6.76% 22.00%
Jun 14, 2017 5 years 100.00 120.24 14.50% 14.50%
Apr 11, 2017 5 years 100.00 119.31 14.50% 14.50%
Feb 14, 2017 5 years 100.00 124.82 13.00% 13.0%
Dec 14, 2016 5 years 100.00 124.49 19.99% 22.0%
Oct 14, 2016 5 years 100.00 128.83 22.00% 22.0%
Aug 18, 2016 5 years 100.00 124.02 19.53% 22.0%
Jun 16, 2016 5 years 100.00 127.58 22.00% 22.0%
Apr 12, 2016 5 years 100.00 133.35 22.00% 22.0%
Feb 17, 2016 5 years 100.00 146.80 22.00% 22.0%
Term Selector

Need more options?

Our easy-to-use selection tool will help you determine the right term deposit solution to meet your needs.

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Unless otherwise stipulated, all financial data are as of November 26, 2018.

* Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

†This product is not sold in U.S. currency. It is sold and held in Canadian funds.

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