Growth based on global stock performance

  • 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**

 

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).

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 5 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:

Graphic showing portfolio mix

Past Performance

  Average annual return1 Maximum annual return (current issue)
Global Performance 2.34% 2.66%
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 Performance Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
5 years
100.00
99.57
0.00%
14.00%
5 years
100.00
100.84
3.35%
14.00%
5 years
100.00
107.95
14.00%
14.00%
5 years
100.00
116.75
14.00%
14.00%
5 years
100.00
119.14
13.13%
13.13%
5 years
100.00
126.26
14.00%
14.00%
5 years
100.00
123.33
19.00%
19.00%
5 years
100.00
126.25
22.00%
22.00%
5 years
100.00
148.06
30.00%
30.00%
5 years
100.00
115.28
28.00%
28.00%
5 years
100.00
122.17
26.00%
26.00%
5 years
100.00
121.11
28.00%
28.00%
5 years
100.00
124.15
30.00%
30.00%
5 years
100.00
126.24
29.75%
29.75%

 

BlueShore Financial, Investment Advisor, Holly Heatherington

Holly Heatherington

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.