Market-Linked GICs

A guaranteed investment with growth potential


Market-Linked GICs can earn up to 32.5%*


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 11 is available from May 24, 2022 until July 25, 2022

Choose from three index options:

American Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 16.50% August 11, 2022
American Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 32.50% August 9, 2022
Better World – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 16.50% August 11, 2022
Better World – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 32.50% August 9, 2022
Canadian Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 16.50% August 8, 2022
Canadian Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 32.50% August 12, 2022

American Diversified

This index is made up of leading, well-known US companies in the following sectors: communications, consumer goods, energy, financials, health care, industrials, materials, real estate, technology and utilities.

Better World

This index contains companies that are environmentally conscious, including some in the renewable energy field. The following sectors are represented: communications, consumer goods, energy, health care, industrials, materials, real estate, technology and utilities.

Canadian Diversified

This index is made up of leading, well-known Canadian companies in the following sectors: communications, consumer goods, energy, financials, industrials, materials, technology and utilities.

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.