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Canadian Market-Linked GICs offer the best of both worlds – the security of a GIC and the growth potential of the equity markets. This GIC is a three-year GIC whose return is linked to performance of the S&P/TSX 60 Index(1). This GIC gives you the potential to benefit from increases in the Canadian stock market without risking your capital.

Is It Right for You?

This GIC may be an appropriate choice if you:
  • Want the potential to earn a higher rate of return than traditional GICs.
  • Want to guarantee the safety of your original investment.
  • Will not require regular income from this investment.
  • Are willing to accept a variable, rather than guaranteed, rate of return.
 

Ready to Buy a GIC or Need Advice?

 

You are on: Features & Benefits

Key Features:

Minimum Investment $1,000
Terms 3 years
Return Variable return is linked to the S&P/TSX 60 Index
Interest Payment Options Return, if any, paid at maturity, or at time of lock-in anniversary at the end of the second year(2)
Access to Funds No
Plan Eligibility Non-Registered, RRSPs, TFSAs, RDSPs, and RESPs
CDIC (opens new window) Eligible Yes

Benefits:

Higher Return Potential You’ll participate in the growth potential of the Canadian stock market
Peace of Mind Your original investment is 100% guaranteed at maturity
Simplicity You’ll have principal protection and growth potential in one solution
Flexibility Early return lock-in option(2) available on the GIC’s second anniversary, providing you with control and flexibility

For more information such as how return is calculated or to invest in a Canadian Market-Linked GIC, refer to the fact sheet & special conditions (opens PDF in new window), visit your nearest RBC Royal Bank branch or call 1-800-769-2511 to talk to an investment specialist.

 

1) "Standard & Poor's®", "S&P®" and "S&P/TSX 60®" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Royal Bank of Canada. "TSX" is a trademark of The Toronto Stock Exchange and is used under licence by Royal Bank of Canada.

The Canadian Market-Linked GIC is not sponsored, endorsed, sold or promoted by Standard & Poor's or The Toronto Stock Exchange and neither party makes any representation regarding the advisability of investing in the Canadian Market-Linked GIC.

The S&P/TSX 60 Index is prepared and published by Standard & Poor's, a division of The McGraw-Hill Companies, Inc. according to a standard set of rules established by S&P from time to time.

2) The lock-in option allows you to take your return on the 2-year anniversary. If you decide to lock in gains before maturity, the return is paid out on the second anniversary, but the principal is paid back on the maturity date.

Telephone purchasers who have not received a written copy of the Canadian Market-Linked GIC Special Conditions and fact sheet prior to purchase will have the opportunity to cancel this investment purchase within two days of the day the written information on the investment is provided by calling 1-800-769-2511 or visiting your branch.

Past performance of this product is not indicative of future returns. Your return will depend on whether and how much the S&P/TSX 60 Index level increases over your investment's term. This GIC does not provide you regular interest or provide a guaranteed rate of return. It is possible that there may be no return. For full product details, including how variable return is calculated, refer to the fact sheet and special conditions (opens PDF in new window), visit your RBC branch or call 1-800-769-2511.

You are on: Participation Factor

Rates for 24 November 2014

RBC Canadian Market-Linked GIC

Participation Factor 55.000 [%]

The Participation Factor is discretionary and set by the Bank at the time of GIC purchase. It is expressed as a percentage rate and used to calculate the return of your GIC at maturity. The Participation Factor is subject to change without notice at any time. For more information on these GICs, please refer to the fact sheet and special conditions (opens PDF in new window). For further information or to purchase these GICs, call 1-800-463-3863 or visit an RBC Royal Bank branch. Use our Branch Locator (opens new window) to find the branch nearest you. One of our investment specialists will be happy to talk or meet with you.