TD 的Market Growth GICs好吗？--请教斑竹

[S.W.A.T]

For all Market Growth products, the return is calculated based on the percentage increase, if any, in the underlying index or indices over the term of the investment, subject to the Maximum Return. The Maximum Return is set on the date of purchase, and represents the highest return your investment can earn. Although the Maximum Return for your investment does not change, the Maximum Return may be different for a new purchase of the same Market Growth GIC product. You can determine the current Maximum Return prior to purchasing a TD Canada Trust Market Growth GIC by reviewing our GIC product and rates.


Investment Guaranteed

Your original principal is protected no matter which way the relevant stock market index goes!

If the market index increases over the term of your investment, you benefit from the increase up to the maximum return.

Even if the market index declines, your original investment remains fully protected.

TD Canada Trust Market Growth GICs are issued by TD Mortgage Corporation and are fully guaranteed by The Toronto-Dominion Bank.

按意思是稳赚不陪，情况最坏是没利息，最好是20%的收益。 想知道一般收益会有多大。还有没有其他危险。 如过到头来只相当2.75%的利息，还不如直接入 ING 了。


希望斑竹和用过的人给点意见。

多谢

 

[dkwan]

that is exactly the point, most of the bank has the index-linked GIC.

The risk here is not reduced your principle, but risk that you might not have any interest in return.

The featured GIC also has a cap, 20% in your case. The investment is not intended for short term investor, but rather a 5+ year time horizon investment.

 

[S.W.A.T]

多谢楼上，大概我还是ING了