Market-Linked GICs

Market-Linked GICs can earn up to 60%*

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 17 is available from May 23, 2023 until July 24, 2023

Choose from two index options:

Ag & Mining

Ag & Mining – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 27.00% August 17, 2023
Ag & Mining – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 60.00% August 11, 2023

Canadian Diversified

Canadian Diversified – 3 year
Min annual interest Max cumulative interest Issue Date
1.50% 27.00% August 14, 2023
Canadian Diversified – 5 year
Min annual interest Max cumulative interest Issue Date
1.50% 60.00% August 16, 2023

Ag & Mining

This index contains 20 agriculture- and mining-related companies, many of which will be well-known to many Saskatchewan residents. The following sectors are represented: industrials and materials. 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.

Learn more about Market-Linked GICs

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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.