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Global Diversified Term Deposit

Growth based on global stock performance.

Growth based on global stock performance.

  • Minimum return guaranteed
  • Additional return linked to market performance
  • $500 minimum
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Like the idea of earning higher returns than traditional term deposits, but aren't ready to take the full plunge into equity markets with your portfolio? Market-linked term deposits are a great "next step", and some, like our Global Diversified Term Deposit, can even give you exposure to international market performance.

Combining the security of a term deposit with the growth potential of the stock market, you get the opportunity for high growth without risking your principal investment.

Like standard term deposits, you're guaranteed the full amount of your deposit at maturity. The rate of return (beyond the guaranteed minimum) for our Global Diversified Term Deposit is dependent on the performance of a reference portfolio, comprised of 20 "name brand" global companies, each weighted at 5%.

Features

  • Opportunity to participate in the growth potential of well-known international corporations
  • 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 Global Diversified Term Deposit
Return5 years
If the basket (group of securities) depreciates or appreciates by less than:
…the return will be:
8.0%
8.0%
If the basket appreciates between:
…the return will be:
8.0% to 19.0%
The actual rate of return
If the basket appreciates by more than:
…the return will be:
19.0%
19.0%

The Global Diversified Term Deposit is comprised of a basket of securities drawn from the following geographic regions and industry sectors:

Global Index-Linked Term Deposit Geographic Allocation

Past Performance**

Performance for Global Diversified Term Deposit
 Average annual returnMaximum annual return (current issue)
Global Diversified 3.26% 3.54%
The information provided is for informational purposes; past performance is not necessarily indicative of future returns. Compound annual return was calculated by applying the current characteristics of the Global 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 of November 26, 2018 to January 28, 2019.

Current Performance

Global Diversified Term Deposit (Rates effective 2018-11-30)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Oct 16, 2018 5 years 100.00 107.00 7.0% 19.0%
Jun 14, 2018 5 years 100.00 105.50 5.5% 18.0%
Apr 18, 2018 5 years 100.00 107.37 7.37% 20.0%
Feb 16, 2018 5 years 100.00 106.00 6% 18.0%
Dec 14, 2017 5 years 100.00 97.54 0.00% 30.0%
Oct 17, 2017 5 years 100.00 99.05 0.00% 20.0%
Aug 22, 2017 5 years 100.00 105.02 5.02% 20.0%
Jun 16, 2017 5 years 100.00 105.42 5.42% 20.0%
Apr 18, 2017 5 years 100.00 105.62 5.62% 28.0%
Feb 15, 2017 5 years 100.00 111.36 11.36% 13.0%
Dec 13, 2016 5 years 100.00 114.51 14.51% 22.0%
Oct 18, 2016 5 years 100.00 117.72 17.72% 22.0%
Aug 19, 2016 5 years 100.00 113.73 13.73% 22.00%
Jun 17, 2016 5 years 100.00 116.96 16.96% 20.0%
Apr 19, 2016 5 years 100.00 125.07 19.0% 19.0%
Feb 19, 2016 5 years 100.00 134.81 19.0% 19.0%
Dec 15, 2015 5 years 100.00 119.92 16.5% 16.5%
Oct 15, 2015 5 years 100.00 121.25 19% 19%
Aug 19, 2015 5 years 100.00 118.55 16.00% 16%
Jun 17, 2015 5 years 100.00 118.80 18.80% 19%
Apr 21, 2015 5 years 100.00 111.82 11.82% 20%
Feb 19, 2015 5 years 100.00 113.26 13.26% 23%
Dec 11, 2014 5 years 100.00 117.50 17.50% 23%
Oct 15, 2014 5 years 100.00 126.25 23.00% 23%
Aug 21, 2014 5 years 100.00 123.69 23.00% 23%
Jun 19, 2014 5 years 100.00 124.28 24.00% 24%
Apr 22, 2014 5 years 100.00 129.69 27.00% 27%
Feb 20, 2014 5 years 100.00 132.14 25.00% 25%
Dec 13, 2013 5 years 100.00 131.92 25.00% 25%
The indicated percentage represents the appreciation of the basket of securities in relation to its initial level. The appreciation takes into account the annual limits stipulated in the deposit agreement. The displayed return (not expressed as an annual compound return) shows the trend for the issue date indicated.

Maximum appreciation at maturity: This product has a ceiling that determines the maximum amount you may receive at maturity

Term Selector

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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.

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