Investment Products

Term deposits offer the greatest level of certainty, offering an unlimited guarantee on your initial investment as well as a guaranteed rate of return for the term selected. Terms range from 1 to 5 years with both redeemable and non-redeemable options.

Interest is paid at maturity for shorter terms and annually for longer terms. Golden members also have the benefit of electing to have interest paid monthly on our 1-year term deposits. 

Market linked term deposits offer the peace of mind of an unlimited guarantee on your initial investment while providing the potential of a higher return based on potential gains on the stock market, along with a guaranteed minimum return. You can invest in this product with no management fees and no commissions. Returns on this product are based on the performance of a carefully selected basket of stocks, meaning that you can gain access to the potential returns of the stock market without having to worry about buying and selling stocks. This investment is available in both a 3 and 5 year term and can be held within a registered plan or as part of your non-registered investment portfolio.

If you think this might be a good option for you, take a look at the historical performance of both the 3-year and 5-year deposits.

Mutual funds allow you to invest in a basket of stocks or other investments selected and managed by a professional fund manager. Mutual funds can be held within a registered product or a non-registered portfolio. Mutual funds provide the benefit of professional investment advice and allow investors to choose between different levels of potential risk and return.

*Mutual funds  and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

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**Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.