​Current campaign

Global Diversified

​Guarantee Advantage – Consumer Staples allows your clients to invest in companies that manufacture consumer staples. It invests in well-known companies and pays a guaranteed return at maturity. The basket of securities comprises 10 international companies. Each one has the same weight in the basket.

SecurityStock marketCurrency
Colgate-Palmolive Co. New York
U.S. dollar
Danone SAParisEuro
Hershey Co.New York
U.S. dollar
L'Oréal SAParisEuro
Nestlé SASIX SwissSwiss franc
PepsiCo Inc.Nasdaq GS
U.S. dollar
Proctor & Gamble Co.New York
U.S. dollar
Reckitt Benckiser Group PLCLondon SE
​Pound sterling
​Saputo Inc.​Toronto​Canadian dollar
​Unilever PLC​EN Amsterdam​Euro

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Terms

For the December 2021 campaign, the following terms are available:

  • 5 years and 2 days
  • 6 years and 2 days

Important dates for the Consumer Staples basket

5 years and 2 days6 years and 2 days​
Initial DateDecember 3, 2021December 3, 2021
Specific Business DaysOctober 5, 2026
November 4, 2026
December 3, 2026
October 4, 2027
November 4, 2027
December 3, 2027
Maturity DateDecember 5, 2026​December 5, 2027
Deadline for DepositsNovember 19, 2021​November 19, 2021

Return options for the December 2021 campaign

Term: 5 years and 2 days

Participation Rate: 100%
  • Guaranteed minimum return: 2.5%
    • Annual return: 0.50%
  • Potential maximum return: 10.5%
    • Annual return: 2.02%

Term: 6 years and 2 days

Participation Rate: 100%
  • Guaranteed minimum return: 5.5%
    • Annual return: 0.90%
  • Potential maximum return: 11%
    • Annual return: 1.75%
The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.

Guarantee Advantage – Emerging Markets allows your clients to invest in 10 emerging markets companies from various sectors. It pays a guaranteed return at maturity. Each one has the same weight in the basket.

SecurityStock marketCurrency
China Life Insurance Co. Ltd.Hong KongHong Kong dollar
China Merchants Bank Co. Ltd.Hong KongHong Kong dollar
Fomento Economico Mexicano SAB de CVNew YorkU.S. dollar
Hyundai Motor Co.Korea SESouth Korean Won
Industrial & Commercial Bank of China Ltd.Hong KongHong Kong dollar
Infosys Ltd.
New YorkU.S. dollar
Kia Motors Corp.Korea SESouth Korean Won
Ping An Insurance Group Co. of China Ltd.
Hong KongHong Kong dollar
POSCO​Korea SESouth Korean Won
​Samsung Electronics Co. Ltd.
Korea SESouth Korean Won

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Term

For the December 2021 campaign, the following term is available:

  • 5 years and 2 days

Important dates for the Emerging Markets basket

5 years and 2 days
Initial DateDecember 3, 2021
Specific Business DaysOctober 5, 2026
November 4, 2026
December 3, 2026
Maturity DateDecember 5, 2026
Deadline for DepositsNovember 19, 2021

Return options for the December 2021 campaign

Term: 5 years and 2 days

Participation Rate: 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 16%
    • Annual return: 3.01%

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.

Global Diversified

The Guarantee Advantage - ESG Global Diversified basket is composed of securities issued by 20 socially and environmentally responsible companies, some of which are viewed as being proactive in the renewable energy sector. Each one has the same weight in the basket. Its diversification helps offset the effects of market instability on its performance and allows you to grow your principal while minimizing its risk exposure.

SecurityStock marketCurrency
ABB Ltd.SIX Swiss
Swiss franc
Alstom SAParisEuro
CGI Inc.TorontoCanadian dollar
Citrix Systems Inc.Nasdaq GSU.S. dollar
Deutsche Post AGXETRA FrankfurtEuro
Eisai Co. Ltd.TokyoJapanese yen
First Solar Inc.Nasdaq GSU.S. dollar
Goodman GroupAustraliaAustralian dollar
​Hewlett Packard Enterprise Co.​New YorkU.S. dollar
Magna International Inc.Toronto​Canadian dollar
Microsoft Corp.Nasdaq GS​U.S. dollar
Mowi ASAOsloNorwegian krone
Orsted ASCopenhagenDanish krone
Red Electrica Corp. SAMadridEuro
Schneider Electric SEParis​Euro
Sekisui House Ltd.TokyoJapanese yen
Terna SPAMilanEuro
Toyota Motor Corp.TokyoJapanese yen
UPM-Kymmene OYJOMX Helsinki​Euro
Vonovia SEXETRA FrankfurtEuro

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Term

For the December 2021 campaign, the following term is available:

  • 5 years and 2 days

Important dates for the ESG Global Diversified basket

-5 years and 2 days
Initial DateDecember 3, 2021
Specific Business DaysOctober 5, 2026
November 4, 2026
December 3, 2026
Maturity DateDecember 5, 2026
Deadline for DepositsNovember 19, 2021

Return options for the December 2021 campaign

Term: 5 years and 2 days

Deposits between $500 and $24,999: Participation Rate 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 16%
    • Annual return: 3.01%
Deposits between $25,000 and $249,999: Participation Rate 110%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 17.6%*
    • Annual return: 3.30%*
Deposits of $250,000 and more: Participation Rate 120%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 19.2%**
    • Annual return: 3.58%**

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.


* Return includes a Participation Rate of 110%

** Return includes a Participation Rate of 120%

Global Diversified

​Guarantee Advantage – Global Diversified is made up of securities from twenty companies operating in a variety of sectors and geographic regions. Each one has the same weight in the basket. Its diversification helps offset the effects of market instability on its performance and allows you to grow your principal while minimizing its risk exposure.

SecurityStock marketCurrency
Abbott LaboratoriesNew YorkU.S. dollar
Allianz SEXETRA FrankfurtEuro
BCE Inc.TorontoCanadian dollar
BNP Paribas SAParisEuro
Canadian National Railway Co.TorontoCanadian dollar
Hewlett Packard Enterprise Co.New YorkU.S. dollar
Iberdrola SAMadridEuro
Intel Corp.​Nasdaq GSU.S. dollar
Koninklijke Philips NV​EN AmsterdamEuro
Manulife Financial Corp.​TorontoCanadian dollar
McDonald's Corp.​New York​U.S. dollar
Nestlé SASIX Swiss​Swiss franc
Nintendo Co. Ltd.TokyoJapanese yen
Restaurant Brands International Inc.TorontoCanadian dollar
Rio Tinto Ltd.AustraliaAustralian dollar
SanofiParisEuro
Siemens AGXETRA FrankfurtEuro
Swisscom AGSIX SwissSwiss franc
Wesfarmers Ltd.AustraliaAustralian dollar
Wolters Kluwer NVEN AmsterdamEuro

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Terms

For the December 2021 campaign, the following terms are available:

  • 3 years and 2 days
  • 4 years and 2 days
  • 5 years and 2 days

Important dates for the Global Diversified basket

-3 years and 2 days 4 years and 2 days 5 years and 2 days
Initial DateDecember 3, 2021December 3, 2021December 3, 2021
Specific Business DaysOctober 4, 2024
November 5, 2024
December 3, 2024
October 10, 2025
November 4, 2025
December 3, 2025
October 5, 2026
November 4, 2026
December 3, 2026
Maturity DateDecember 5, 2024December 5, 2025December 5, 2026
Deadline for DepositsNovember 19, 2021November 19, 2021November 19, 2021

Return options for the December 2021 campaign

Term: 3 years and 2 days

Participation Rate: 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 5%
    • Annual return: 1.64%

Term: 4 years and 2 days

Participation Rate: 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 10%
    • Annual return: 2.41%

Term: 5 years and 2 days

Deposits between $500 and $24,999: Participation Rate 100%

  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 16%
    • Annual return: 3.01%

Deposits between $25,000 and $249,999: Participation Rate 110%

  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 17.6%*
    • Annual return: 3.30%*

Deposits between $250,000 and more: Participation Rate 120%

  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 19.2%**
    • Annual return: 3.58%**

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.

* Return includes a Participation Rate of 110%

** Return includes a Participation Rate of 120%

Global Financials

The Guarantee Advantage - Global Financials basket is made up of securities from 20 leading companies-from various countries – operating in the financial sector. The Global Financials basket is therefore a reliable and secure investment opportunity for your clients with a return potential based on the growth of the top financial institutions in the world.

Security Stock Market Currency
Allianz SEXETRA FrankfurtEuro
Aviva PLCLondon SE
Pound sterling
AXA SAParisEuro
Bank of MontrealTorontoCanadian dollar
Bank of New York Mellon Corp.
New York SEU.S. dollar
BNP Paribas SALondon SEPound sterling
Canadian Imperial Bank of CommerceTorontoCanadian dollar
HSBC Holdings PLCLondon SE
Pound sterling
Investor ABStockholmSwedish krone
JPMorgan Chase & CoNew York SEU.S. dollar
Legal & General Group PLCLondon SE
Pound sterling
Muenchener Rueckversicherungs AGXETRA Frankfurt​Euro
National Bank of CanadaToronto​Canadian dollar
Power Corporation of Canada​Toronto​Canadian dollar
Royal Bank of CanadaToronto​Canadian dollar
Sun Life Financial Inc.​Toronto​Canadian dollar
Swiss Re AGSIX Swiss​Swiss franc
Toronto-Dominion Bank​TorontoCanadian dollar
Wells Fargo & Co.​New York SE
​U.S. dollar
Zurich Insurance Group AG
SIX Swiss​Swiss franc

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Term

For the December 2021 campaign, the following term is available:

  • 6 years and 2 days

Important dates for the Global Financials basket

6 years and 2 days
Initial DateDecember 3, 2021
Specific Business DaysOctober 4, 2027
November 4, 2027
December 3, 2027
Maturity DateDecember 5, 2027
Deadline for DepositsNovember 19, 2021

Return options for the December 2021 campaign

Term: 6 years and 2 days

Participation Rate: 300%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 20.1%***
    • Annual return: 3.10%***

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.


*** Return includes a Participation Rate of 300%

Global Diversified

Guarantee Advantage – Global Opportunities is made up of securities from 20 companies operating in a variety of sectors and geographic regions. Each one has the same weight in the basket. Its diversification helps offset the effects of market instability on its performance and allows you to grow your principal while minimizing its risk exposure.

SecurityStock marketCurrency
Canadian Imperial Bank of Commerce
Toronto
Canadian dollar
Danone SA
Paris
Euro
Deutsche Post AG
XETRA FrankfurtEuro
Enbridge Inc.
TorontoCanadian dollar
Gilead Sciences Inc.
Nasdaq GS
U.S. dollar
Iberdrola SA
MadridEuro
KDDI Corp. TokyoJapanese yen
Manulife Financial Corp.
TorontoCanadian dollar
McDonald's Corp. ​New York
U.S. dollar
Nintendo Co. Ltd.
​Tokyo​Japanese yen
Rio Tinto Ltd.
​Australia​Australian dollar
Roche Holding AG
SIX Swiss
​Swiss franc
SanofiParisEuro
Swisscom AG SIX Swiss Swiss franc
TELUS Corp.
Toronto
Canadian dollar
Thomson Reuters Corp. TorontoCanadian dollar
Toronto-Dominion Bank/The
TorontoCanadian dollar
Toyota Motor Corp.
Tokyo
Japanese yen
Unilever PLC
EN AmsterdamEuro
Zurich Insurance Group AG SIX Swiss Swiss franc

The Guaranteed Investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Terms

For the December 2021 campaign, the following terms are available:

  • 6 years and 2 days
  • 7 years and 2 days

Important dates for the Global Opportunities basket

6 years and 2 days7 years and 2 days​
Initial DateDecember 3, 2021December 3, 2021
Specific Business DaysOctober 4, 2027
November 4, 2027
December 3, 2027
October 3, 2028
November 6, 2028
December 1, 2028
Maturity DateDecember 5, 2027December 5, 2028
Deadline for DepositsNovember 19, 2021​November 19, 2021

Return options for the December 2021 campaign

Term: 6 years and 2 days

Deposits between $500 and $24,999: Participation Rate 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 47%
    • Annual return: 6.63%
Deposits between $25,000 and $249,999: Participation Rate 110%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 51.7%*
    • Annual return: 7.19%*
Deposits of $250,000 and more: Participation Rate 120%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 56.4%**
    • Annual return: 7.74%**

Term: 7 years and 2 days

Deposits between $500 and $24,999: Participation Rate 100%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: unlimited
    • Annual return: unlimited
Deposits between $25,000 and $249,999: Participation Rate 110%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: unlimited*
    • Annual return: unlimited*
Deposits of $250,000 and more: Participation Rate 120%
  • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: unlimited**
    • Annual return: unlimited**

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the Participation Rate.


* Return includes a Participation Rate of 110%

** Return includes a Participation Rate of 120%