Market-Linked GICs

Market-Linked GICs can earn up to 70%*


A guaranteed investment with growth potential

What is a Market-Linked GIC?

Market-Linked GICs (MLGIC) are a unique investment product that offer principal protection at maturity and a return linked to various underlying assets including equities, fixed income, commodities and mutual funds.

What you get

It’s the best of both worlds – you’re guaranteed a minimum return with the potential to earn even more! But, that’s not all - there are tons of other perks with MLGICs, like:

  • no fees
  • 100% principal guarantee
  • low minimum investment of $500
  • the ability to invest both non-registered and registered GIC products including TFSA, RRSP and LIRA
  • returns linked to index performance
  • security - your principal investment is covered under the Credit Union Deposit Guarantee Corporation

Check out the current performance of our Market‑Linked GICs:

Market‑Linked GIC Performance

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Series 15 is available from January 24, 2023 until March 20, 2023

Choose from four index options:

Better World – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 33.00% April 14, 2023
Better World – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 70.00% April 6, 2023
Canadian Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 33.00% April 13, 2023
Canadian Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 70.00% April 11, 2023
Financial Services – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 33.00% April 6, 2023
Financial Services – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 70.00% April 6, 2023
Gender Diversity – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 33.00% April 14, 2023
Gender Diversity – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 70.00% April 6, 2023

Better World

This index contains 20 companies that are environmentally conscious, including some in the renewable energy field. The following sectors are represented: communications, consumer goods, energy, financials, health care, industrials, materials, real estate, technology and utilities. Each company has the same weight within the basket.

Canadian Diversified

This index is made up of 20 leading, well-known Canadian companies in the following sectors: communications, consumer goods, energy, financials, industrials, materials, technology and utilities. Each company has the same weight within the basket.

Financial Services

This index is made up of 8 large, well-known Canadian financial services providers. Each company has the same weight within the basket.

Gender Diversity

This index is made up of 20 global companies in a variety of sectors that have adopted internal diversity policies and where women hold 30% or more of their respective board seats. The companies operate in the following sectors: communications, consumer goods, financials, health care, industrials, materials and technology. Each company has the same weight within the basket.

Learn more about Market-Linked GICs

If you’re looking for a safe, but potentially more profitable substitute to traditional GICs, MLGICs might be right for you. Contact us to get started.  1.866.863.6237

See our investment calculators for help in setting your investment goals.

*Rates, terms and Market-Linked GIC product options are subject to change without notice. Variable returns are based on the performance of the securities and could be nil at maturity. The principal amount of a Market-Linked GIC is guaranteed and is repayable upon maturity. Market-Linked GICs are non-redeemable investment products. Terms and conditions for Market -Linked GICs are included with your Market-Linked GIC deposit agreement and are also available from an Affinity advisor. Contact us if you have any questions or require additional information.