Growth based on 8 financial securities

  • Minimum return guaranteed
  • No risk to investment principal
  • Partial performance linked to 8 solid Canadian financial securities, including multi-national insurance companies
  • Potential for greater returns than traditional term deposits
  • No commissions or management fees
  • Low minimum deposit ($500)
  • Term lengths of 3 or 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, determined by the duration of your investment. Then, as the performance of the linked financial securities increases, so does your rate of return – up to the maximum rates indicated.

Return 3 years 5 years
If the basket (group of securities) appreciates by less than:
...the return will be:
1.00%
1.00%
3.0%
3.0%
If the basket appreciates between:
...the return will be:
1.00% to 7.00%
The actual rate of return
3.0% to 11.0%
The actual rate of return
If the basket appreciates by more than:
...the return will be:
7.00%
7.00%
11.0%
11.0%

 

The group of eight financial securities includes five national Canadian banks and three multi-national insurance companies.

Graphic showing portfolio mix

Past Performance

  3 Year GuaranteePlus 5 Year GuaranteePlus
Average annual return1 7.56% 8.04%
Maximum annual return (current issue) 2.28% 2.11%
The data presented is for informational purposes; past performance is not necessarily indicative of future results. 1Annual compound returns of the underlying basket. Values as of June 30th, 2021.

GuaranteePlus Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
3 years
100.00
100.03
1.00%
7.00%
5 years
100.00
100.03
3.00%
11.00%
5 years
100.00
99.05
3.00%
11.00%
3 years
100.00
99.05
1.00%
7.00%
5 years
100.00
105.50
5.50%
11.00%
3 years
100.00
105.50
5.50%
7.00%
3 years
100.00
118.85
8.00%
8.00%
5 years
100.00
118.85
11.00%
11.00%
5 years
100.00
120.53
11.00%
8.00%
3 years
100.00
120.53
8.00%
11.00%
3 years
100.00
137.79
8.00%
8.00%
5 years
100.00
137.79
15.00%
15.00%
3 years
100.00
141.72
8.00%
8.00%
5 years
100.00
141.72
16.50%
16.50%
3 years
100.00
142.25
12.00%
12.00%
5 years
100.00
142.25
25.00%
25.00%
3 years
100.00
160.01
12.00%
12.00%
5 years
100.00
160.01
25.00%
25.00%
5 years
100.00
111.93
11.93%
22.00%
3 years
100.00
111.93
11.93%
12.00%
3 years
100.00
115.56
12.00%
12.00%
5 years
100.00
115.56
15.56%
22.00%
5 years
100.00
119.48
20.68%
22.00%
3 years
100.00
119.48
12.00%
12.00%
5 years
100.00
125.29
22.00%
22.00%
3 years
100.00
125.29
12.00%
12.00%
3 years
100.00
122.10
12.00%
12.00%
5 years
100.00
122.10
22.00%
22.00%
5 years
100.00
120.31
20.31%
22.00%
3 years
100.00
120.31
12.00%
12.00%
3 years
100.00
125.13
12.00%
12.00%
5 years
100.00
125.13
25.00%
25.00%
3 years
100.00
131.43
12.00%
12.00%
5 years
100.00
131.43
20.00%
20.00%
5 years
100.00
120.06
20.00%
20.00%
5 years
100.00
120.07
20.07%
22.00%
5 years
100.00
121.92
21.92%
22.00%
5 years
100.00
124.94
22.00%
22.00%
5 years
100.00
123.25
22.00%
22.00%
5 years
100.00
116.99
16.99%
20.00%
5 years
100.00
121.36
20.00%
20.00%
5 years
100.00
127.03
20.00%
20.00%
5 years
100.00
130.05
20.00%
20.00%
5 years
100.00
124.08
20.00%
20.00%
5 years
100.00
123.61
20.00%
20.00%
5 years
100.00
124.94
20.00%
20.00%
5 years
100.00
126.84
22.00%
22.00%

 

 

The indicated percentage represents the appreciation of the index 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.

 

BlueShore Financial, Investment Advisor, Kelly Gares

Kelly Gares

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.