Speak to an advisor or at the branch
A winwin EarthLink™GIC offers the best of both worlds by combining guaranteed principal protection with market‑linked growth potential.
winwin EarthLink™ GIC
Where market‑linked growth meets values‑driven investing
- Principal investment protected
- Guaranteed minimum return
- Higher return potential than traditional GICs
Value driven investing
How does a winwin® Market-linked GIC work?
winwin EarthLink™ details
|
Term |
3 or 5 years |
|
Min. Investment |
$500 |
|
Cashable |
FALSE |
|
Registered |
TRUE |
|
Non Registered |
TRUE |
|
Rates |
View current interest rates and sales period details
Is this investment account right for you?
May be a good choice if you:
- You prefer an investment with the principal guaranteed
- You do not need to access your money for the entire duration of the term
- You want a guaranteed minimum return and the potential to earn more
May NOT be a good choice if you:
- You want to limit your investment's exposure to stock market movements
- You may need to access your funds prior to maturity
Additional information
Get to know your account
Frequently asked questions
What is a winwin® Market-linked GIC?
winwin® Market-linked GICs are a sort of hybrid investment vehicle: part GIC, part stock market investment. They protect the investor’s principal investment and offer a minimum guaranteed return with the potential for significantly greater returns (up to a maximum) based on the performance of the market. Think of it as having a stable floor, and potentially a high ceiling. winwin® Market-linked GICs usually have a theme to them, such as focusing on an industry, exclusively national, international, emerging-market stocks, or more recently, responsible investing.
What are the differences between a winwin® Market-linked GIC and a regular GIC?
Unlike a traditional GIC, a winwin® Market-linked GIC is tied to a particular stock market index - like financial, healthcare or insurance services - which gives the investor an opportunity to benefit from market gains to a limited maximum.
What companies' performance is this GIC linked to?
|
Company |
Sector |
Stock Market |
|---|---|---|
| Boralex Inc - A (BLX CN Equity) | Utilities | Toronto |
| Cisco Systems, Inc. (CSCO UW Equity) | Technology | Nasdaq GS |
| Daiwa House Industry Co Ltd (1925 JT Equity) | Consumer Discretionary | Tokyo SE |
| ENEL SpA (ENEL IM Equity) | Utilities | Milan |
| Engie SA (ENGI FP Equity) | Utilities | Paris |
| First Capital Real Estate Investment Trust (FCR-U CT Equity) | Real Estate | Toronto |
| First Solar Inc. | Energy | NASDAQ GS |
| Gecina SA | Real Estate | Paris |
| Holcim AG ( HOLN SE Equity) | Materials | SIX Suisse |
| Holmen AB (HOLMB SS Equity) | Materials | Stockholm |
| Hydro One Ltd (H CT Equity) | Utilities | Toronto |
| Kubota Corp (6326 JT Equity) | Industrials | Tokyo SE |
| Magna International Inc. (MG CT Equity) | Consumer Discretionary | Toronto |
| Mitsubishi Corporation (8058 JT Equity) | Consumer Staples | Tokyo SE |
| Redeia Corp SA (RED SQ Equity) | Utilities | Madrid |
| SSE PLC (SSE LN Equity) | Utilites | London SE |
| Terna-Rete Elettrica Naziona (TRN IM Equity) | Utilities | Milan |
| Texas Instruments Inc. (TXN UW Equity) | Technology | Nasdaq GS |
| UPM-Kymmene Oyj | Materials | Helsinki |
| Vinci SA (DG FP Equity) | Industrials | Paris |
How are companies screened?
Companies are selected based on the below 4-step screening process
Financial health analysis - financial soundness, risk profitability and growth outlook
Exclusion screening - companies operating in tobacco, nuclear and arms industries are excluded
Environmental Assessment - performance against environmental, social and governance (ESG) and sustainable development leadership
Inclusion in the security basket - best performance prospects taking into account geographic and sector diversification.
How has this winwin® Market-linked GIC performed in the past?
Although past performance is not always indicative of future returns, similar products as the winwin EarthLink™ have recurrently performed close to its maximum potential return rate. Some factors contributing to this performance could be the diversity in companies, sector and stock markets within this product.
Please speak with an advisor to review the underlying securities of this product and full terms and conditions of the winwin® GIC.
| 3-year terms | |||
|---|---|---|---|
| issue date / maturity date | minimum guaranteed annual rate | maximum potential cumulative return | actual return received by member |
| Feb 1, 2023 / Feb 2, 2026 | 1.50% | 25.00% | 25.00% |
| Dec 1, 2022 / Dec 1, 2025 | 1.00% | 25.00% | 25.00% |
| Oct 5, 2022 / Oct 10, 2025 | 0.40% | 25.00% | 24.42% |
| June 7, 2022 / June 10, 2025 | 0.60% | 12.00% | 4.82% |
| April 1, 2022 / April 1, 2025 | 0.50% | 12.00% | 5.01% |
| Feb 2, 2022 / Feb 3, 2025 | 0.50% | 12.00% | 12.00% |
| 5-year terms | |||
|---|---|---|---|
| issue date / maturity date | minimum guaranteed annual rate | maximum potential cumulative return | actual return received by member |
| Feb 3, 2021 / Feb 3, 2026 | 0.10% | 15.00% | 15.00% |
| Dec 2, 2020 / Dec 2, 2025 | 0.80% | 20.00% | 20.00% |
| Oct 2, 2020 / Oct 2, 2025 | 0.80% | 20.00% | 20.00% |
Before investing, what must I consider about the rate received at maturity?
You could experience a higher than usual interest rate payment on the maturity date of a winwin® term depending on the final index performance. In the final year, the interest rate paid would be the difference between the final rate of return minus the minimum rate already paid. Please seek independent tax advice as required for your unique financial situation.
Keep learning
Insights to reach your life goals
We're here to assist you
Call us
Monday to Friday: 8am - 8pm
Saturday: 8:30am - 4pm
Sunday: 11am - 3pm
Get answers or connect with a live agent using our digital assistant.
Message us
An advisor will get back to you
-
- Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
- This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
- This deposit and minimum interest accrued on the deposit is 100% guaranteed.
- The interest paid at maturity is subject to a maximum. If the yield of the Securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.
- This deposit may not be hypothecated or given as security.
- Given the features of this kind of investment, you should check with your advisor to make sure that such an investment meets your investment objectives as the investment is not suitable for everyone.
- The above statements and information are for informational purposes only. The information contained above is not complete and is qualified in its entirety by the full terms and conditions of the winwin® GIC. Please speak with an advisor to review the full terms and conditions of the winwin® term deposit.
-
Rates as of the start date communicated in the disclosed promotion period.
The minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return that you may receive at maturity. Terms and conditions apply.
The return of a winwin® GIC depends on the performance of the index return that it is linked to over a certain time period, the Minimum Guaranteed Return and the Maximum Potential Cumulative Return.- If the index return is between the Minimum Guaranteed Return and the Maximum Potential Cumulative Return, you will receive the principal plus the index return.
- If the index return is below the Minimum Guaranteed Return, you will receive the principal plus the Minimum Guaranteed Return.
- If the index return is above the Maximum Potential Cumulative Return, you will receive the principal plus the Maximum Potential Cumulative Return.