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Market-linked GICs

Market potential. Principal guaranteed. 

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


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Potential higher returns

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Principal 100% guaranteed

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No fees

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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: 1.50% (1.50% annualized)

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3-year Financial Services Market-linked GIC


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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: 10.00% (3.23% 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.

American Diversified Market-linked GIC

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

Environmentally Responsible MLGIC

An investment linked to 20 companies; respecting the environment from different economic sectors.