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What is a market-linked GIC?


Like other types of GICs, a market-linked GIC has a set term, usually between one and five years, and the principal is guaranteed. Unlike standard GICs, however, the rate of return on a market-linked GIC is tied to the performance of a stock market index or a basket of stocks.

The performance of the stocks or indexes that the GIC is “linked” to, determines the rate of return. But no matter how the stock market performs, at a minimum, you’ll get your principal – or the full amount you originally invested – back at maturity.


Reasons to invest in a market-linked GIC


Potential higher returns


Principal 100% guaranteed


No fees


RRSP & TFSA eligible



1-Year Global Diversified Market-Linked GIC

A great option if you’re interested in trying out a Market-Linked GIC without the long-term time commitment. This GIC, linked to 20 carefully-selected international companies, maximizes your geographical diversification.

Maximum cumulative rate: 1.00% (1.00% annualized)

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3-Year Financial Services Market-Linked GIC

If you’re interested in a longer-term investment with more potential upside, this could be the right choice. This GIC is is linked to 8 equally-weighted major Canadian financial institutions.

Maximum cumulative rate: 7.00% (2.28% annualized)

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Explore more market-linked GICs


Canadian Diversified Market-Linked GIC

An investment linked to 20 equally-weighted, select Canadian companies across diverse sectors.

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American Diversified Market-Linked GIC

An investment linked to 20 equally-weighted, select American companies across diverse sectors.

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Environmentally Responsible Market-Linked GIC

An investment linked to 20 companies that are committed to respecting the environment from different economic sectors.

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How to open a market-linked GIC

To buy a market-linked GIC, visit a branch or call our contact centre, and one of our representatives will be happy to help.