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Security and Market Potential in One Investment
RBC Equity-Linked 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.
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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
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
- Participate in the returns of a U.S. equity index View Return Scenarios
Scenario 1: Market is Up
If the underlying index moves from 100 to 120 over the 5-year term of the GIC, this would indicate an increase of 20% in the index. In this scenario, the increase is above the minimum and below the maximum. You would receive 100% of your principal plus a 20% return on your investment.
Scenario 2: Market is down
If the underlying index moves from 100 to 80 over the 5-year term of the GIC, you would, in this scenario, receive 100% of your principal plus the 5% guaranteed minimum return set out at the time of purchase.
Scenario 3: Market is Way Up
If the underlying index moves from 100 to 135 over the 5-year term of the GIC, this would indicate an increase of 35% in the index. In this scenario, since the increase is above the maximum, you would receive 100% of your principal plus the 25% maximum return set out at the time of purchase.
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Interest Rates
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GIC Tools & Calculators
RBC Equity-Linked GICs Return Calculator
Get an indication of the current value of your GIC1.
Try the Calculator
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
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
Scenario 1: Market is Up
If the underlying index moves from 100 to 120 over the 5-year term of the GIC, this would indicate an increase of 20% in the index. In this scenario, the increase is above the minimum and below the maximum. You would receive 100% of your principal plus a 20% return on your investment.
Scenario 2: Market is down
If the underlying index moves from 100 to 80 over the 5-year term of the GIC, you would, in this scenario, receive 100% of your principal plus the 5% guaranteed minimum return set out at the time of purchase.
Scenario 3: Market is Way Up
If the underlying index moves from 100 to 135 over the 5-year term of the GIC, this would indicate an increase of 35% in the index. In this scenario, since the increase is above the maximum, you would receive 100% of your principal plus the 25% maximum return set out at the time of purchase.
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Interest Rates
GIC Tools & Calculators
RBC Equity-Linked GICs Return Calculator
Get an indication of the current value of your GIC1.
Try the Calculator
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
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
Scenario 1: Market is Up
If the underlying index moves from 100 to 120 over the 5-year term of the GIC, this would indicate an increase of 20% in the index. In this scenario, the increase is above the minimum and below the maximum. You would receive 100% of your principal plus a 20% return on your investment.
Scenario 2: Market is down
If the underlying index moves from 100 to 80 over the 5-year term of the GIC, you would, in this scenario, receive 100% of your principal plus the 5% guaranteed minimum return set out at the time of purchase.
Scenario 3: Market is Way Up
If the underlying index moves from 100 to 135 over the 5-year term of the GIC, this would indicate an increase of 35% in the index. In this scenario, since the increase is above the maximum, you would receive 100% of your principal plus the 25% maximum return set out at the time of purchase.
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Interest Rates
GIC Tools & Calculators
RBC Equity-Linked GICs Return Calculator
Get an indication of the current value of your GIC1.
Try the Calculator
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
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Participation Factor
For More Information
GIC Tools & Calculators
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
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Participation Factor
For More Information
GIC Tools & Calculators
The Right Choice If You
- Want to earn higher returns tied to shares of specifically selected North American companies
- Want your principal investment fully guranteed
- Do not need periodic income from your investment
Features
Minimum Investment
- $1,000
Terms
- 2, 3 and 5 years
Return
- Variable return is linked to the performance of an equally weighted basket of North American companies
Interest Payment Options
- Return paid at maturity
Early Access to Funds
- Not permitted
Account/Plan Eligibility
- Non-Registered, RRSP, TFSA, RDSP, RESP and RRIF
CDIC Eligible
- Yes
Benefits
Higher Return Potential
- You can earn a higher variable return tied to the performance of selected North American companies, as compared to that offered by a traditional fixed-rate GIC.
Scenario 1: Market is Up
If the underlying index moves from 100 to 120 over the 5-year term of the GIC, this would indicate an increase of 20% in the index. In this scenario, the increase is above the minimum and below the maximum. You would receive 100% of your principal plus a 20% return on your investment.
Scenario 2: Market is down
If the underlying index moves from 100 to 80 over the 5-year term of the GIC, you would, in this scenario, receive 100% of your principal plus the 5% guaranteed minimum return set out at the time of purchase.
Scenario 3: Market is Way Up
If the underlying index moves from 100 to 135 over the 5-year term of the GIC, this would indicate an increase of 35% in the index. In this scenario, since the increase is above the maximum, you would receive 100% of your principal plus the 25% maximum return set out at the time of purchase.
Peace of Mind
- Your principal investment is 100% guaranteed.
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
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Interest Rates
GIC Tools & Calculators
RBC Equity-Linked GICs Return Calculator
Get an indication of the current value of your GIC1.
Try the Calculator
The Right Choice If You
- Are an ESG-conscious investor
- Want peace of mind knowing 100% of your principal investment is guaranteed
- Do not need periodic income from your investment
Features
Minimum Investment
- $1,000
Terms
- 4 and 6 years
Return
- Variable return is linked to MSCI World ESG Quality Select Low Volatility 8% Risk Control 3% Decrement Index
Interest Payment Options
- Return (if applicable) paid at maturity
Early Access to Funds
- Not permitted
Account/Plan Eligibility
- Non-Registered, RRSP, TFSA, RDSP and RESP
CDIC Eligible
- Yes
Benefits
Higher Return Potential
- You can earn a higher variable return tied to the performance of global ESG-focused companies as compared to that offered by a traditional fixed-rate GIC
Peace of Mind
- Your principal investment is 100% guaranteed
Simplicity
- Principal protection and growth potential in one solution
Get personalized advice with MyAdvisor
- A digital service that lets you see the potential of your investments, including your GICs, and can connect you with an RBC advisor to help build your financial future. Learn More
Participation Factor
For More Information
GIC Tools & Calculators
Ready to Invest?
Buy a GIC for your registered account or on its own.
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1)
Based on the following information:
-
Base Level from the date of purchase (as indicated on your GIC certificate)
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Participation Factor or minimum and maximum rates (as indicated on your GIC certificate)
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Latest applicable index value or basket of stocks.
Other Notable Disclosures:
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Funds will be available on the next business day following the date on which you have instructed us to redeem your GIC, or in the case of RBC Income Builder GIC, following the date on which a payment is made from the GIC.
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There is no fee charged for a purchase of GIC. If you transfer your GIC out to another financial institution, there will be a transfer out fee of $150 charged (applies to both registered or non-registered GICs – transfer out fee for non-registered GICs came into effect August 1, 2022)
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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.
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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.
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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.
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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 , visit your RBC branch or call 1-800-769-2511.
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1)
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.
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 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.