Market-Linked GICs

A guaranteed investment with growth potential

What is a Market-Linked GIC?

Market-Linked GICs (MLGIC) are a unique investment product that offers 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 23 is available from May 21, 2024 until July 22, 2024

Choose from two index options:

Canadian Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
2.50% 27.00% August 19, 2024
Canadian Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
2.50% Unlimited August 20, 2024
Global Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
2.50% 27.00% August 20, 2024 
Global Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
2.50% Unlimited August 14, 2024

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.

Global Diversified

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

Learn more about Market-Linked GICs

  • How are Market-Linked GICs different from a traditional GIC?

  • How are Market-Linked GICs different from Mutual Funds?

  • How much interest can you earn with a MLGIC?

  • What are the benefits of investing in an MLGIC?

  • How does it offer diversification?

  • What’s the risk level?

  • My MLGIC is maturing soon, what happens?

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.