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Small Business > Investments > Guaranteed Investment Certificates (GICs) > Tools & Calculators > RBC Market Access GIC Return Calculator

RBC Market Access GIC™ Return Calculator

For Indication Purposes Only

The RBC Market Access GIC Return Calculator provides an indication of the current value of your GIC(1). The actual return cannot be calculated prior to the maturity of your RBC Market Access GIC and will differ from the return as provided by the calculator.

Note: This calculator should not be used to provide an indication of the lock-in return(2). The variable return calculation uses a twelve-month averaging for the Index Settlement Level (ISL) for terms being held to maturity.

How returns are calculated How returns are calculated (opens new window)

 
 

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* Required Information

For Indication Purposes Only
*
  • ErrorInvalid principal amount.
  • ErrorIt is required for you to have invested a minimum of $1000 as your principal.
 $
* Investment Date:
Input date as noted on confirmation notice(3).
  • ErrorInvalid purchase date.
  • ErrorYou must have purchased your GIC prior to today in order to use this calculator.
  • ErrorBased on the purchase date entered, the return value is not yet available.
Investment Date
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 /
* GIC Product:
  • ErrorMarket-Linked GICs were not available prior to October 1, 1997. Please verify that the purchase date you entered is correct.
  • ErrorThree-year term Fund-Linked GICs were not available prior to March 28, 2009. Please verify that the purchase date you entered is correct.
  • ErrorFive-year term Fund-Linked GICs were not available prior to May 10, 2008. Please verify that the purchase date you entered is correct.
GIC Product
* GIC Type:
GIC Type
* Term:
  • ErrorA three-year term GIC can only be locked in on its second anniversary. It is too early for you to have locked in your GIC.
  • ErrorA five-year term GIC can only be locked in on its third anniversary. It is too early for you to have locked in your GIC.
  • ErrorFive-year term GICs were not available for sale on the purchase date indicated.
  • ErrorMissing term value.
Term

We encourage you to contact your nearest RBC Royal Bank branch or call 1-800-ROYAL®1-1 if you have any questions. For full product details, including how the return is calculated, please refer to the RBC Market Access product page.

1 Based on the following information:

  • Base Level from the date of purchase (as indicated on your GIC certificate)
  • Participation Factor (as indicated on your GIC certificate)
  • Latest applicable index value

2 The lock-in return calculation uses the actual index level as the Index Settlement Level (ISL) and does not apply a twelve-month averaging. In this case, the ISL used in the calculation will be the actual index level on the business day following the anniversary day (or second business day for Global Market-Linked GIC). Please contact your branch prior to the second anniversary date of your certificate for an indication of your lock-in variable return.

3 Inputting a date other than what is on your confirmation notice will have an impact on the return calculation estimate.