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Since Selective Advantage Index is not offered for the current campaign, this section is presented for informative purposes to the product holders.

Higher performance potential plus capital preservation

International markets represent excellent investment opportunities because of the greater diversification level they offer your clients. Such diversification allows your clients to take advantage of growth in expanding markets, while compensating for the impact that any downturn or recession in a given country could have on their portfolio.

Selective Advantage Index allows your clients to diversify their portfolio worldwide while protecting their capital, both at maturity and at death.
 

  • 100% guaranteed
  • Redeemable at all times
  • Eligible for registered plans
  • Deposits accepted up to age 95
  • Minimum investment of $500
     

By covering the Western European and Asian markets, as well as the solid growth sectors in the U.S., Selective Advantage Index gives access to leading international companies.

For worldwide worry-free investments!

How it works

  • Selective Advantage Index at a glance
  • Taxation
  • Surrender

    • Selective Advantage Index at a glance

    A selective approach to enjoy the best possible returns

    So many horror stories have challenged investors' confidence in financial markets that a lot of representatives are now faced with clients who are hesitant to invest in high return/high risk securities.

    With Selective Advantage Index, your clients benefit from the performance of international markets, without worries, all in one single investment. Each year, they reap the best return among several market indices rather than putting all their assets in only one of these indices. Here is how this is done.

    Selective Advantage Index is a six-year term investment with a variable return based on the performance of six high-end market indices, carefully selected with diversification and growth potential as main objectives:

    DJ Euro STOXX 50
    This index, introduced in 1998, contains the stocks of the top 50 corporations in the Eurozone, namely, Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.

    FTSE 100
    Created on January 3, 1984, it includes the stocks of the 100 largest cap corporations listed on the London Stock Exchange, which represents 80% of the total United Kingdom market (England, Scotland, Wales and Northern Ireland).

    S&P/ASX 200
    Accounting for approximately 78% of the Australian Stock Market, this index includes the top 200 companies listed on the Australian Stock Exchange. It was introduced in April 2000.

    SMI
    The Swiss Market Index, first calculated on June 30, 1998, contains a maximum of 30 of the largest companies traded on the SWX Swiss Exchange. It represents over 90% of the total market capitalization of Switzerland and Liechtenstein.

    Hang Seng
    This index, created on July 31, 1964, is comprised of 33 stocks which account for over 70% of the total market capitalization of the Hong Kong Stock Exchange.

    NASDAQ 100
    The NASDAQ 100 Index includes the top 100 U.S. and international non-financial companies listed on the NASDAQ Stock Market. It is a fully computerized market that trades the most stocks of any U.S. stock market. The index reflects companies across major industry groups, including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It was launched on February 1, 1985.

    It's the best return that counts!

    Each year, the cumulative returns of the indices are compared and the best is selected. When an index is chosen, it is removed from the index basket and cannot be selected again.

    Upon maturity, the average of each year's cumulative returns represents the total return for the six-year period.

    Example:

    Cumulative return at the
    end of 

    Hang Seng

    FTSE 100

    S&P/ASX 200

    DJ Euro STOXX 50

    NASDAQ 100

    SMI

    Cumulative selected
    return

    1st year (12 months)

    3%

    -5%

    8%

    10%

    -5%

    28%

    28%

    2nd year (24 months)

    -7%

    -2%

    -3%

    -2%

    -1%

     

    -1%

    3rd year (36 months)

    19%

    20%

    27%

    31%

     

     

    31%

    4th year (48 months)

    35%

    40%

    46%

     

     

     

    46%

    5th year (60 months)

    50%

    70%

     

     

     

     

    70%

    6th year (72 months)

    75%

     

     

     

     

     

    75%

     

     

     

    Average of the selected returns:

    41.5%

     

     

     

    Annualized return: