Security and Market Potential in One Investment

RBC MarketSmart GICs offer the security of a GIC and the higher return potential of an equity investment. Choose a GIC with a guaranteed minimum return and associated maximum return—or one with no guaranteed minimum return and unlimited return potential.

The Right Choice If You

  • Want the growth potential of U.S. equities but with 100% principal protection.
  • Need a guaranteed minimum return and the potential for higher earnings
  • Will not need regular income from your investment
Compare GICs

Features

Minimum Investment
  • $1,000
Terms
  • 2, 3 and 5 years
Return
  • Variable return is linked to the performance of the S&P 500 Index
Interest Payment Options
  • Return paid at maturity
Early Access to Funds
  • No
Plan Eligibility
  • Non-Registered, RRSP, TFSA, RDSP, RESP and RRIF
CDIC Eligible
  • Yes

Benefits

Higher Return Potential
Peace of Mind
  • Original investment is 100% guaranteed at maturity
Simplicity
  • Principal protection and growth potential in one solution
Guaranteed Minimum Return
  • Receive at least the minimum rate of return with the potential to receive significant additional upside to a maximum rate of return

Interest Rates

GIC Tools & Calculators

MarketSmart GICs

Nothing to lose and more to gain. See why a MarketSmart GIC is guaranteed to grow.

MarketSmart GIC Return Calculator

MarketSmart GIC Return Calculator

Get an indication of the current value of your GIC.

Try the Calculator
MarketSmart GIC Return Calculator

Compare GICs

Choose up to three GICs to compare side-by-side.

View Now


The Right Choice If You

  • Want the growth potential of the Canadian utility sector but with 100% principal protection
  • Need a guaranteed minimum return and the potential for higher earnings
  • Will not need regular income from your investment
Compare GICs

Features

Minimum Investment
  • $1,000
Terms
  • 2, 3 and 5 years
Return
  • Variable return is linked to the performance of the S&P/TSX Capped Utilities Index
Interest Payment Options
  • Return paid at maturity
Early Access to Funds
  • No
Plan Eligibility
  • Non-Registered, RRSP, TFSA, RDSP, RESP and RRIF
CDIC Eligible
  • Yes

Benefits

Higher Return Potential
  • Participate in the returns of an important sub-sector of the Canadian stock market while your principal is 100% protected
  • View Return Scenarios
Peace of Mind
  • Original investment is 100% guaranteed at maturity
Simplicity
  • Principal protection and growth potential in one solution
Guaranteed Minimum Return
  • Receive at least the minimum rate of return with the potential to receive significant additional upside to a maximum rate of return

Interest Rates

GIC Tools & Calculators

MarketSmart GICs

Nothing to lose and more to gain. See why a MarketSmart GIC is guaranteed to grow.

MarketSmart GIC Return Calculator

MarketSmart GIC Return Calculator

Get an indication of the current value of your GIC.

Try the Calculator
MarketSmart GIC Return Calculator

Compare GICs

Choose up to three GICs to compare side-by-side.

View Now


The Right Choice If You

  • Want the growth potential of Canadian Banking sector but with 100% principal protection
  • Need a guaranteed minimum return and the potential for higher earnings
  • Will not need regular income from your investment
Compare GICs

Features

Minimum Investment
  • $1,000
Terms
  • 2, 3 and 5 years
Return
  • Variable return is linked to the performance of the S&P/TSX Banks Index
Interest Payment Options
  • Return paid at maturity
Early Access to Funds
  • No
Plan Eligibility
  • Non-Registered, RRSP, TFSA, RDSP, RESP and RRIF
CDIC Eligible
  • Yes

Benefits

Higher Return Potential
  • Participate in the returns of an important sub-sector of the Canadian stock market while your principal is 100% protected
  • View Return Scenarios
Peace of Mind
  • Original investment is 100% guaranteed at maturity
Simplicity
  • Principal protection and growth potential in one solution
Guaranteed Minimum Return
  • Receive at least the minimum rate of return with the potential to receive significant additional upside to a maximum rate of return

Interest Rates

GIC Tools & Calculators

MarketSmart GICs

Nothing to lose and more to gain. See why a MarketSmart GIC is guaranteed to grow.

MarketSmart GIC Return Calculator

MarketSmart GIC Return Calculator

Get an indication of the current value of your GIC.

Try the Calculator
MarketSmart GIC Return Calculator

Compare GICs

Choose up to three GICs to compare side-by-side.

View Now

The Right Choice If You

  • Want the growth potential of the Canadian stock market but with 100% principal protection
  • Are willing to accept a variable, rather than guaranteed, rate of return
  • Will not need regular income from your investment
Compare GICs

Features

Minimum Investment
  • $1,000
Terms
  • 3 years
Return
  • Variable return is linked to the S&P/TSX 60 Index1
Interest Payment Options
  • Return, if any, paid at maturity, or at time of lock-in anniversary at the end of the second year2
Early Access to Funds
  • No
Plan Eligibility
  • Non-Registered, RRSP, TFSA, RDSP and RESP
CDIC Eligible
  • Yes

Benefits

Higher Return Potential
  • Participate in the growth potential of the Canadian stock market
Peace of Mind
  • Original investment is 100% guaranteed at maturity
Simplicity
  • Principal protection and growth potential in one solution
Flexibility
  • Early return lock-in option2 available on the GIC’s second anniversary, giving you control and flexibility

Participation Factor

GIC Tools & Calculators

GIC Laddering Tool MarketSmart GIC Return Calculator

Get an indication of the current value of your GIC.

Income Builder GIC Calculator Compare GICs

Create your own solution with an Income Builder GIC.

The Right Choice If You

  • Want the growth potential of the global equity markets with 100% principal protection
  • Will not require regular income from this investment
  • Are willing to accept a variable, rather than guaranteed, rate of return
Compare GICs

Features

Minimum Investment
  • $1,000
Terms
  • 3 years
Return
  • Variable return is linked to a weighted basket of international stock market indices in Germany (DAX 30), France (CAC 40), Japan (Nikkei 225), UK (FT-SE 100) and the U.S. (S&P 500)1
Interest Payment Options
  • Return, if any, paid at maturity, or at time of lock-in anniversary at the end of the second year2
Early Access to Funds
  • No
Plan Eligibility
  • Non-Registered, RRSP, TFSA, RDSP and RESP
CDIC Eligible
  • Yes

Benefits

Higher Return Potential
  • Participate in the growth potential of five major international stock market indices
Peace of Mind
  • Original investment is 100% guaranteed at maturity
Simplicity
  • Principal protection and growth potential in one solution
Flexibility
  • Early return lock-in option2 available on the GIC’s second anniversary, providing you with control and flexibility

Participation Factor

GIC Tools & Calculators

GIC Laddering Tool MarketSmart GIC Return Calculator

Get an indication of the current value of your GIC.

Income Builder GIC Calculator Compare GICs

Create your own solution with an Income Builder GIC.

Ready to Invest?

Buy a GIC for your registered account or on its own.

The U.S. MarketSmart GIC is not sponsored, endorsed, sold or promoted by Standard & Poor’s and they make no representation regarding the advisability of investing in the U.S. MarketSmart GIC.
Telephone purchasers who have not received a written copy of U.S. MarketSmart 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 1-800-463-3863 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 500 Index level increases up to the stated maximum return over your investment's term. This GIC does not provide you regular interest. For full product details, including how variable return is calculated, refer to the fact sheet and special conditions , visit your RBC branch or call 1-800-463-3863.

The RBC Canadian Banking MarketSmart 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 RBC Canadian Banking MarketSmart GIC.
Telephone purchasers who have not received a written copy of the RBC Canadian Banking MarketSmart 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 1-800-463-3863 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 Banks Index level increases up to the stated maximum return over your investment's term. This GIC does not provide you regular interest. For full product details, including how variable return is calculated, refer to the fact sheet and special conditions , visit your RBC branch or call 1-800-463-3863.

The RBC Canadian Utilities MarketSmart 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 RBC Canadian Utilities MarketSmart GIC.
Telephone purchasers who have not received a written copy of the RBC Canadian Utilities MarketSmart 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 1-800-463-3863 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 Capped Utilities Index level increases up to the stated maximum return over your investment’s term. This GIC does not provide you regular interest. For full product details, including how variable return is calculated, refer to the fact sheet and special conditions , visit your RBC branch or call 1-800-463-3863.

"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.
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 , visit your RBC branch or call 1-800-769-2511.

The Global Market-Linked GIC is not sponsored, endorsed, sold or promoted by the respective indices or stock exchanges and neither parties make any representation regarding the advisability of investing in the Global Market-Linked GIC.
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 Global 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 weighted basket of international stock-market indices increases over your GIC'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 above fact sheet and special conditions , visit your RBC branch or call 1-800-769-2511.