Stock Market-Indexed Guaranteed Investment

Current issue in effect until June 30, 2012

Quick facts

  • Main feature: secure, capital 100% guaranteed
  • Minimum deposit: $500
  • Terms: 3.5 years or 5 years
  • Redemption terms: cashable or convertible for terms of 5 years or more (some conditions apply1)
  • Returns: interest paid at maturity2
Get this product Becoming a member
 

Who should get this investment?

Investors who want to benefit from potential market returns. The Stock Market-Indexed Guaranteed Investment is ideal if you want to diversify your portfolio while protecting your money from exchange rate fluctuations.

Features

Security
Returns
  • Higher return potential.
  • Based on the increase in value of the stock market index up to a maximum return.
  • Interest paid at maturity2.
  • Protection against exchange rate fluctuations.

See returns
Example of how the return is calculated (PDF, 21 KB)
Eligible for these plans
  • Registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF and RDSP.
  • Non-registered plans.
Income taxation
At maturity if investment is non-registered3.
Other
  • No commission or administration fees.
  • Eligible for potential member dividends.

Options available

Canadian Index

Index based on 60 of the leading large-cap Canadian companies, including EnCana Corp., Barrick Gold Corp., Royal Bank of Canada, Manulife Financial, Suncor Energy Inc. and Canadian Natural Resources Ltd.

Features

  • 3.5- and 5-year term savings
  • Return paid at maturity for the 3.5-year term will be equal to the index growth2 (maximum appreciation of 11% and rate of participation in index growth of 100%, for a maximum annual compound return of 3.03%)
  • Return paid at maturity for the 5-year term will be equal to the index growth2 (maximum appreciation of 23% and rate of participation in index growth of 100%, for a maximum annual compound return of 4.23%)

American Index

Index based on 500 of the largest American companies in various sectors of activity, including Microsoft Corp., General Electric Co., Procter & Gamble Co., Pfizer Inc., Johnson & Johnson, Exxon Mobil Corp. and Citigroup Inc.

Features

  • 5-year term savings
  • Return paid at maturity will be equal to the index growth2 (maximum appreciation of 23% and rate of participation in index growth of 100%, for a maximum annual compound return of 4.23%)

Overseas Index

Index based on the performance of three stock market indices, equally weighted (33 1/3% each) and each composed of the largest companies in several countries:

European Index
Index based on 50 of the largest European Monetary Union companies, including Total SA, Banco Santander Central Hispano SA, BNP Paribas, Sanofi-Aventis, UniCredito Italiano SpA and Nokia OYJ.

UK Index
Index based on 100 of the largest companies in terms of market capitalization listed on the London Stock Exchange (LSE), including BP PLC, HSBC Holdings PLC, GlaxoSmithKline PLC, Royal Dutch Shell PLC and Vodafone Group PLC.

Japanese Index
Index based on 225 of the largest companies listed on the Tokyo Stock Exchange, including Advantest Corp., Fast Retailing Co. Ltd, Kyocera Corp., Fanuc Corp., TDK Corp., and Canon Inc.

Features

  • 5-year term
  • Return paid at maturity for the 5-year term will be equal to the index growth2 (maximum appreciation of 23% and rate of participation in index growth of 100%, for a maximum annual compound return of 4.23%)

Fact sheet and current issue investment agreements
 
How to get this product
By phone By phone
(Members)
Call 1-888-283-8333
At the branch At the branch
Make an appointment with an advisor at a branch.

1. Cash or conversion value may be greater or less than the capital. Conversion value is greater than cash value because of a member loyalty bonus.
2. Market-based returns may be nil at maturity.
3. Except interest paid before the issue date.

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