Enjoy returns linked to market growth potential and capital protection at maturity
A market-linked Guaranteed Investment Certificate (MLGIC) is an investment that gives you the opportunity to earn returns tied to the performance of specific market indices, stock baskets, or broader markets, while guaranteeing your original investment at maturity. With a market-linked Guaranteed Investment Certificate, you benefit from several advantages.
Investing in a market-linked GIC with National Bank means choosing a long-term strategy that balances growth potential with capital protection.
You can benefit from market performance over time, knowing your original investment is guaranteed at maturity. While the value of your investment may fluctuate during the term, your principal remains protected at the end.
The Flex series adds another layer of control, giving you the option to access your funds at their current market value at any time, while the remaining amount continues to track market performance.
Compare the different options available to you.*
* All our market-linked GICs are available with an initial investment of at least $500.
| Market-linked GIC | Features | Detailed information |
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Diversified GIC - 5 years |
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Canadian Banks GIC – 5 years |
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Canadian Banks GIC – 3 years |
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Canadian Sustainable Companies Flex GIC – 5 years |
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Canadian Sustainable Companies Flex GIC – 3.5 years |
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A fixed-rate GIC provides a guaranteed return that’s set in advance and fully protects your principal at maturity. It’s a stable, predictable investment.
A market-linked GIC allows you to benefit from the growth potential of the financial markets. While returns aren’t guaranteed and may fluctuate, your principal is protected at maturity, offering greater long-term growth potential.
A principal guarantee at maturity means that when your investment reaches its maturity date, you will receive at least the amount you originally invested, regardless of market fluctuations.
However, the principal is not guaranteed during the term. If you redeem all or part of your investment before maturity, its value may be less than your original investment.
If you access your principal during the term of a market-linked GIC, the investment is sold back to National Bank at its current market value rather than its original value. This amount may be higher or lower than the initial investment, as it fluctuates based on market conditions and interest rates.
Selling before maturity provides more flexible access to your funds, but the original amount invested is not guaranteed.
No. There are no fees or penalties if a market-linked GIC is sold back to National Bank before maturity.
The price displayed corresponds to the value of the investment as of the previous day’s update.
At maturity, a market-linked GIC is automatically renewed into a 1-year fixed-rate GIC unless other instructions are provided.
The total amount at maturity is reinvested at the interest rate in effect at the time of renewal. However, the renewal can be cancelled or modified if you prefer to choose another option.
Invest in a diversified and comprehensive range of funds with NBI Portfolios and NBI Sustainable Portfolios.
Grow your savings safely at a variety of guaranteed rates.
Take advantage of an interest rate that increases across different tiers.
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Complete information for a specific series of MLGIC is available in the relevant Information Statement and should be consulted before investing. Please refer to the rates bulletin to consult the series issued by National Bank of Canada. You may also find information herein, by contacting your branch advisor or by calling 1-888-483-5628.
The MLGIC is a deposit eligible for deposit insurance by the Canada Deposit Insurance Corporation (“CDIC”), subject to the maximum dollar limit of CDIC coverage and applicable conditions (www.cdic.ca). The MLGIC is not a conventional fixed-income investment, is not suitable for all types of investors and is subject to several risk factors. Capitalized terms used and not otherwise defined herein have the meaning ascribed thereto in the Information Statement.
1. National Bank is a member of the Canada Deposit Insurance Corporation (CDIC). If the Cash Advantage Solution is issued by Natcan Trust Company or by National Bank of Canada: Your Cash Advantage Solution may qualify as a deposit that is insurable by the Canada Deposit Insurance Corporation (CDIC), subject to the CDIC’s maximum coverage limits.
