Growth based on global stock performance

  • Opportunity to participate in the growth potential of well-known international corporations
  • No risk to the investment principal
  • Minimum return guarantee with 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**

 

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 Guarantee 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 Guarantee Term Deposit is dependent on the performance of a reference portfolio, comprised of 20 "name brand" global companies, each weighted at 5%.

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 5 years
If the basket (group of securities) depreciates or appreciates by less than:
…the return will be:
3.0%
3.0%
If the basket appreciates between:
…the return will be:
3.0% to 11.0%
The actual rate of return
If the basket appreciates by more than:
…the return will be:
11.0%
11.0%

 

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

Graphic showing portfolio mix

Past Performance

  Average annual return1 Maximum annual return (current issue)
Global Guarantee 11.07% 2.11%
The information provided is for informational purposes; past performance is not necessarily indicative of future returns. 1Annual compound returns of the underlying basket. Values as of June 30th, 2021.

Global Guarantee Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
5 years
100.00
98.35
3.00%
11.00%
5 years
100.00
100.33
3.00%
11.00%
5 years
100.00
104.28
4.28%
11.00%
5 years
100.00
111.82
11.00%
11.00%
5 years
100.00
117.92
11.00%
11.00%
5 years
100.00
123.33
15.00%
15.00%
5 years
100.00
126.25
18.00%
18.00%
5 years
100.00
148.06
20.00%
20.00%
5 years
100.00
115.28
15.28%
20.00%
5 years
100.00
122.38
20.00%
20.00%
5 years
100.00
121.11
20.00%
20.00%
5 years
100.00
124.15
20.00%
20.00%
5 years
100.00
126.24
25.00%
25.00%
5 years
100.00
114.51
14.51%
19.00%
5 years
100.00
121.68
19.00%
19.00%
5 years
100.00
122.14
19.00%
19.00%
BlueShore Financial, Investment Advisor, Graham Priest

Graham Priest

Investment Advisor

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* Rates are subject to change without notice at any time. 

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