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A winwin® FINANCIAL SERVICES GIC offers the best of both worlds by combining guaranteed principal protection with market‑linked growth potential.
winwin® FINANCIAL SERVICES GIC
Where market‑linked growth meets values‑driven investing
- Principal investment protected
- Guaranteed minimum return
- Higher return potential than traditional GICs
Value driven investing
How does a winwin® Market-linked GIC work?
winwin® FINANCIAL SERVICES details
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Term |
3 or 5 years |
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Min. Investment |
$500 |
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Cashable |
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Registered |
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Non-Registered |
View current interest rates and sales period details.
Is this investment account right for you?
May be a good choice if you:
- You prefer an investment with the principal guaranteed
- You do not need to access your money for the entire duration of the term
- You want a guaranteed minimum return and the potential to earn more
May NOT be a good choice if you:
- You want to limit your investment's exposure to stock market movements
- You may need to access your funds prior to maturity
Additional information
Personal winwin® Financial Services 3 year Sample Agreements and Disclosures (PDF)
Personal winwin® Financial Services 5 year Sample Agreements and Disclosures (PDF)
Registered winwin® Financial Services 3 year Sample Agreements and Disclosures (PDF)
Registered winwin® Financial Services 5 year Sample Agreements and Disclosures (PDF)
Get to know your account
Frequently asked questions
What is a winwin® Market-linked GIC?
winwin® Market-linked GICs are a sort of hybrid investment vehicle: part GIC, part stock market investment. They protect the investor’s principal investment and offer a minimum guaranteed return with the potential for significantly greater returns (up to a maximum) based on the performance of the market. Think of it as having a stable floor, and potentially a high ceiling. winwin® Market-linked GICs usually have a theme to them, such as focusing on an industry, exclusively national, international, emerging-market stocks, or more recently, responsible investing.
What are the differences between a winwin® Market-linked GIC and a regular GIC?
Unlike a traditional GIC, a winwin® Market-linked GIC is tied to a particular stock market index - like financial, healthcare or insurance services - which gives the investor an opportunity to benefit from market gains to a limited maximum.
What companies' performance is this GIC linked to?
The basket of securities is linked to 8 equally weighted major Canadian financial & insurance institutions.
| COMPANY | STOCK MARKET |
|---|---|
| Bank of Montreal | Toronto |
| Bank of Nova Scotia | Toronto |
| Canadian Imperial Bank of Commerce | Toronto |
| Intact Financial Corporation | Toronto |
| Manulife Financial Corporation | Toronto |
| National Bank of Canada | Toronto |
| Royal Bank of Canada | Toronto |
| Sun Life Financial Inc. | Toronto |
How has this winwin® Market-linked GIC performed in the past?
Historical returns provided are for informational purposes, past performance is not indicative of future returns.
| 3-year Terms | |||
|---|---|---|---|
| issue date / maturity date | minimum guaranteed annual rate | maximum potential cumulative return | actual return received by member |
| Feb 1, 2023 / Feb 2, 2026 | 1.50% | 25.00% | 25.00% |
| Dec 1, 2022 / Dec 1, 2025 | 1.00% | 25.00% | 25.00% |
| Oct 5, 2022 / Oct 10, 2025 | 1.00% | 25.00% | 25.00% |
| June 7, 2022 / June 10, 2025 | 0.60% | 12.00% | 12.00% |
| April 1, 2022 / April 1, 2025 | 0.50% | 12.00% | 12.00% |
| Feb 2, 2022 / Feb 3, 2025 | 0.50% | 12.00% | 12.00% |
| 5- year Terms | |||
|---|---|---|---|
| issue date / maturity date | minimum guaranteed annual rate | maximum potential cumulative return | actual return received by member |
| Feb 3, 2021 / Feb 3, 2026 | 0.10% | 15.00% | 15.00% |
| Dec 2, 2020 / Dec 2, 2025 | 0.80% | 25.00% | 25.00% |
| Oct 2, 2020 / Oct 02, 2025 | 0.80% | 25.00% | 25.00% |
| June 4, 2020 / June 4, 2025 | 0.80% | 25.00% | 25.00% |
| April 3, 2020 / April 3, 2025 | 0.80% | 25.00% | 25.00% |
| Feb 7, 2020 / Feb 7, 2025 | 0.80% | 25.00% | 25.00% |
Before investing, what must I consider about the rate received at maturity?
You could experience a higher than usual interest rate payment on the maturity date of a winwin® term depending on the final index performance. In the final year, the interest rate paid would be the difference between the final rate of return minus the minimum rate already paid. Please seek independent tax advice as required for your unique financial situation.
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- Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
- This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
- This deposit and minimum interest accrued on the deposit is 100% guaranteed.
- The interest paid at maturity is subject to a maximum. If the yield of the Securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.
- This deposit may not be hypothecated or given as security.
- Given the features of this kind of investment, you should check with your advisor to make sure that such an investment meets your investment objectives as the investment is not suitable for everyone.
- The above statements and information are for informational purposes only. The information contained above is not complete and is qualified in its entirety by the full terms and conditions of the winwin® GIC. Please speak with an advisor to review the full terms and conditions of the winwin® term deposit.
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Rates as of the start date communicated in the disclosed promotion period.
The minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return that you may receive at maturity. Terms and conditions apply.
The return of a winwin® GIC depends on the performance of the index return that it is linked to over a certain time period, the Minimum Guaranteed Return and the Maximum Potential Cumulative Return.- If the index return is between the Minimum Guaranteed Return and the Maximum Potential Cumulative Return, you will receive the principal plus the index return.
- If the index return is below the Minimum Guaranteed Return, you will receive the principal plus the Minimum Guaranteed Return.
- If the index return is above the Maximum Potential Cumulative Return, you will receive the principal plus the Maximum Potential Cumulative Return.