A portfolio of 50 global companies

The Responsible Option Aggressive Guaranteed Term Deposit combines the security of a term deposit with growth potential linked to three variable-return components:

Growth of 20 international companies with equal weighting. Representing a variety of economic sectors, including renewable energies which have been carefully selected for their commitment to the environment and the initiatives they implemented to reduce the environmental impact of their operations.

Priority Terra Basket companies:

  • CGI Inc.
  • Daiwa House Industry Co., Ltd.
  • First Solar Inc.
  • Goodman Group
  • Hydro One Limited
  • KDDI Corporation
  • Magna International Inc.
  • Merck KGaA
  • Mitsubishi Corporation
  • Mowi ASA

 

  • Nutrien Limited
  • NVIDIA Corporation
  • Orsted A/S
  • Partners Group Holding AG
  • SAP SE
  • Schneider Electric SE
  • SolarEdge Technologies Inc.
  • STMicroelectronics NV
  • Vestas Wind Systems A/S
  • Welltower Inc.

 

Returns are linked to the growth of 20 companies operating worldwide with equal weighting. Companies selected based on the level of gender equality in their board of directors and internal diversity policies.

Diversity Basket Companies:
  • Agnico Eagle Mines Ltd
  • ASML Holding N.V.
  • Bank of Nova Scotia
  • Best Buy Co., Inc.
  • Carrefour SA
  • Cie Generale des Etablissements Michelin
  • Cisco Systems, Inc.
  • CSL Limited
  • Ferguson Plc
  • Legrand SA
  • Newmont Corporation
  • Novartis AG
  • Novo Nordisk A/S
  • Publicis Groupe SA
  • Sekisui House Limited
  • Sun Life Financial Inc.
  • Telus Corporation
  • Texas Instruments Inc.
  • The Toronto-Dominion Bank
  • Zurich Insurance Group AG

 

Returns of 10 large corporations representing a variety of economic sectors. The basket offers exposure to the utilities and industrial sectors that provide the infrastructure, technology, equipment and materials needed to efficiently and sustainably develop our water resources. 

Sustainable Water Management Basket Companies:

  • A. O. Smith Corporation
  • Algonquin Power & Utilities Corp.
  • American Water Works Company, Inc.
  • Geberit AG
  • IDEX Corporation

 

  • Kubota Corporation
  • Pentair Plc
  • United Utilities Group Plc
  • Veolia Environnement SA
  • Xylem Inc.

 

Growth based on variable-return components

  • Opportunity to participate in the growth potential of a variety of sectors in international corporations
  • No risk to the investment principal
  • Potential for greater returns than traditional term deposits
  • No commissions or management fees
  • Low minimum deposit ($500)
  • Term length of 3 years; non-redeemable
  • Interest 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.

Return3 Years
If the basket (group of securities) appreciates by less than:
... the return will be:
0.00%
0.00%
If the basket (group of securities) appreciates between:
... the return will be:
0.00%  - 38.00%
The actual rate of return
If the basket (group of securities) appreciates by more than:
... the return will be:
38.00%
38.00%


Each component of the Responsible Option Aggressive Guaranteed Term Deposit is allocated as follows:

Responsible Option Aggressive Guaranteed Term Deposit Component Allocation

In turn, it is comprised of a basket of securities drawn from the following geographic regions and industry sectors:

Responsible Option Aggressive Guaranteed Term Deposit Geographic Allocation

Past Performance

 Average annual return1Maximum annual return (current issue)
Responsible Option Aggressive Guaranteed Term Deposit5.96%11.33%

The information provided is for informational purposes and past performance is not necessarily indicative of future returns. 1Annual compound returns of the underlying basket shown for comparison purposes. Please see Sales Agreement for details.  Values calculated based on the 3 year term from April 28, 2020-April 28, 2023. Values as of March 19, 2024.

Responsible Option Aggressive Guaranteed Term Deposit (Rates effective 2024-01-31)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation Max Appreciation at Maturity
3 years
100.00
104.17
4.17%
38.00%
3 years
100.00
109.28
9.28%
35.00%
3 years
100.00
103.15
3.78%
34.80%
BlueShore Financial, Investment Advisor, Ilana Schonwetter

Ilana Schonwetter

Investment Advisor

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

** Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).