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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 3.5%
The basket appreciation multiplied by 4 (400%)
If the basket appreciates by more than:
…the return will be:
3.5%
14.0%

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
 Annual compound returns*Maximum annual return (current issue)
Global Performance 12.21% 2.66%
**The information provided is for informational purposes; past performance is not necessarily indicative of future returns. *Annual compound returns of the underlying basket. Values as of June 30th, 2021.

Rates †

Global Performance Term Deposit (Rates effective 2021-08-31)
Issue Date (agreement) Term Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
Aug 10, 2021 5 years 100.00 101.49 5.95% 14.00%
Jun 8, 2021 5 years 100.00 103.11 12.44% 14.00%
Apr 13, 2021 5 years 100.00 110.08 14.00% 14.00%
Feb 9, 2021 5 years 100.00 118.75 14.00% 14.00%
Dec 9, 2020 5 years 100.00 122.89 13.13% 13.13%
Oct 8, 2020 5 years 100.00 129.52 14.00% 14.00%
Aug 12, 2020 5 years 100.00 127.35 19.00% 19.00%
Jun 11, 2020 5 years 100.00 130.87 22.00% 22.00%
Apr 14, 2020 5 years 100.00 153.14 30.00% 30.00%
Feb 18, 2020 5 years 100.00 119.84 28.00% 28.00%
Dec 11, 2019 5 years 100.00 127.13 26.00% 26.00%
Oct 11, 2019 5 years 100.00 125.07 28.00% 28.00%
Aug 16, 2019 5 years 100.00 128.08 30.00% 30.00%
Jun 14, 2019 5 years 100.00 130.18 29.75% 29.75%

Unless otherwise stipulated, all financial data are as at July 27, 2021.

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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