RBC Financial Group - Online Banking

Guaranteed Investment Certificates (GICs)

GICs are secure investments that guarantee to preserve your principal. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula. GICs often form the foundation of a well-balanced portfolio.

Non-Redeemable GICs

Redeemable GICs

RBC Market Access GICs™

One-Year Cashable GICs

Non-Redeemable GIC Rates

Features (#)

	Flexible investment term ranging from 1 day to 5 years, 7 and 10 years			Competitive rates guaranteed for the full term of investment
	Not redeemable prior to maturity			Flexible interest payment options

# Not all features available for all plan types.

Redeemable GIC Rates

Features (#)

	Flexible investment term ranging from 1 day to 5 years			Competitive rates guaranteed for the full term of investment
	Redeemable prior to maturity			Flexible interest payment options

# Not all features available for all plan types.

RBC Market Access GICs™ (not available for purchase online)

RBC Canadian Dividend Fund-Linked GIC™: A GIC whose return is linked to the performance of the RBC Canadian Dividend Fund. While a return is not guaranteed, this GIC provides the potential to earn higher rates of return than with traditional GICs and principal guarantee. Minimum investment of $1,000.

Features

	Investment term of 3 or 5 years			Variable return is linked to the growth potential of the RBC Canadian Dividend Fund, allowing you to benefit from the professional investment expertise of RBC Asset Management.
				Variable return, if any, will be paid at maturity
				Non-redeemable in full or in part prior to maturity
				Non-Registered Only

For more information on the RBC Canadian Dividend Fund-Linked GIC, please refer to the fact sheet and Special Conditions.

RBC O’Shaughnessy International Equity Fund-Linked GIC™: A GIC whose return is linked to the performance of the RBC O’Shaughnessy International Equity Fund. While a return is not guaranteed, this GIC provides the potential to earn higher rates of return than with traditional GICs and principal guarantee. Minimum investment of $1,000.

Features

	Investment term of 3 or 5 years			Variable return is linked to the growth potential of the RBC O’Shaughnessy International Equity Fund, allowing you to benefit from the professional investment expertise of RBC Asset Management.
				Variable return, if any, will be paid at maturity
				Non-redeemable in full or in part prior to maturity
				Non-Registered Only

For more information on the RBC O’Shaughnessy International Equity Fund-Linked GIC, please refer to the fact sheet and Special Conditions.

Canadian Market-Linked GIC: A GIC whose return is linked to increases in the S&P/TSX 60 Index†. While a return is not guaranteed, this GIC provides the potential to earn higher rates of return than with traditional GICs and principal guarantee. Minimum investment of $1,000.

Features

	Investment term of 3 years			Variable Return is linked to increases in the Canadian equity market (S&P/TSX 60 Index†)
	Eligible for RRSPs, TFSAs, RESPs and RDSPs			Lock-in option available at GIC’s second anniversary
				Variable return paid at maturity, if lock-in option was not selected at second anniversary
				Non-redeemable in full or in part prior to maturity

For more information on the Canadian Market-Linked GIC, please refer to the fact sheet and Special Conditions.

Global Market-Linked GIC: A GIC whose return is linked to increases in a weighted basket of international stock market indices†. While a return is not guaranteed, this GIC provides the potential to earn higher rates of return than with traditional GICs and principal guarantee. Minimum investment of $1,000.

Features

	Investment term of three years			Variable return is linked to increases in a weighted basket of international stock-market indices† in Germany (DAX 30), France (CAC 40), Japan (Nikkei 225), UK (FT-SE 100) and USA (S&P 500)
	Eligible for RRSPs, TFSAs, RESPs and RDSPs			Lock-in option available at GIC’s second anniversary
				Variable return paid at maturity, if lock-in option was not selected at second anniversary
				Non-redeemable in full or in part prior to maturity

For more information on the Global Market-Linked GIC, please refer to the fact sheet and Special Conditions.

One-Year Cashable GIC Rates

Features

	Investment term of 1 year			Choice of interest payment frequency: monthly; equal monthly; semi-annually or at maturity
	Cashable after 30 or more days with no penalty			Transferable or non-transferable investment
				Non-Registered Only

Telephone purchasers who have not received a written copy of the Special Conditions and fact sheet for the relevant RBC Market Access GICs prior to purchase will have the opportunity to cancel this investment purchase within two days upon receipt of the fact sheet and Special Conditions by calling 1-800-463-3863 or visiting your branch.

"Standard & Poor's®", "S&P®" and "S&P/TSX 60®" are trade-marks of The McGraw-Hill Companies, Inc. and have been licensed for use by Royal Bank of Canada. "TSE" is a trade-mark of The Toronto Stock Exchange and is used under license by Royal Bank of Canada.

# Not all features available for all plan types.

†RBC Market Access GICs™ are not sponsored, endorsed, sold or promoted by the respective indices/funds or the stock exchanges and neither party makes any representation regarding the advisability of investing in the RBC Market Access 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.

For the RBC Market Access GICs: Past performance of this product is not indicative of future returns. Your return will depend on whether and how much the underlying investment increases over your GIC term. These GICs do not pay you regular interest income or provide a guaranteed rate of return. It is possible that there may be no return. For full product details, including how the variable return is calculated, please refer to the fact sheet available at http://www.rbcroyalbank.com/products/gic, visit your nearest RBC branch or call 1-800-463-3863 to speak to an investment representative.

™ Trademarks of Royal Bank of Canada