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Global Performance Term Deposit

Growth based on global stock performance.

Growth based on global stock performance.

  • Market performance based rate
  • Additional return linked to market performance
  • $500 minimum
  • RRSP, RESP and TFSA eligible
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The Global Performance 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 cumulative 5-year performance of a reference portfolio, comprised of 20 "name brand" global companies, each weighted at 5%. At maturity, the cumulative performance of the reference portfolio is calculated by applying a set multiplier to the reference portfolio’s return (up to the defined maximum).

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
  • Higher potential return when market performance is weaker
  • 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, as the performance of the reference portfolio varies, so does your rate of return – up to the maximum rates indicated.

Return rates for Global Performance Term DepositReturn rates for Global Performance Term Deposit
Return5 years
If the basket (group of securities) depreciates or appreciates by less than:
…the return will be:
0.0%
0.0%
If the basket appreciates between:
…the return will be:
0.0% to 8.5%
The basket appreciation multiplied by 3.5 (350%)
If the basket appreciates by more than:
…the return will be:
8.5%
29.75%

The Global Performance 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 Performance Term Deposit
 Average annual returnMaximum annual return (current issue)
Global Performance 4.85% 5.35%
**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 Performance Term Deposit over the last 200 5-year periods ending each month between 07/31/2002 and 02/28/2019. Maximum annual returns are compounded annually. Current maximums are for the issue sales period of March 26, 2019 to May 27, 2019.
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 at March 26, 2019.

The data presented for information purposes only.

Interest is compounded annually; paid at maturity.

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

† Rates are subject to change without notice at any time. For more information visit your nearest branch or call us at 604.982.8000 or toll-free 1.888.713.6728.

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