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A winwin® Market-linked GIC offers the best of both worlds by combining guaranteed principal protection with market‑linked growth potential.
winwin® MARKET-LINKED GICs
Market growth potential with principal protection.
Safe, secure, and flexible
How does a winwin® Market-linked GIC work?
Is a winwin® Market-linked GIC right for you?
May be a good choice if you:
- You prefer an investment with the principal guaranteed
- You do not need to access your money for the entire duration of the term
- You want the potential to earn more than traditional GICs
May NOT be a good choice if you:
- You are looking for an investment with a higher guaranteed interest rate
- You may need to access your funds prior to maturity
EXPLORE GICs
Find a market-linked GIC that fits your needs
Market linked GICs at a glance
| GIC | Description | Cashable | Registered | Non-Registered | Term |
|---|---|---|---|---|---|
| winwin® Canadian Markets GIC | 20 Canadian companies across diverse sectors | 2 or 4 years | |||
| winwin® Global Markets GIC | 20 global companies across diverse countries and sectors | 2 or 4 years | |||
| winwin® Financial Services GIC | 8 Canadian Financial & insurance institutions | 3 or 5 years | |||
| winwin EarthLink™ GIC | 20 global companies committed to sustainability | 3 or 5 years |
Learn more
Ready to open a market-linked GIC?
Speak to an advisor about opening a winwin® market-linked GIC today.
Expert advice
Insights to reach your life goals
Frequently asked questions
What is a winwin® Market-Linked GIC?
A winwin® Market-Linked GIC guarantees that 100% of your principal investment is protected with the potential to earn more based on the performance of the underlying securities.
What are the differences between a winwin® Market-linked GIC and a regular GIC?
A winwin® Market-linked GIC is a non-redeemable GIC tied to a group of stocks from select companies - like financial, healthcare or insurance services - which gives the investor an opportunity to benefit from higher potential returns compared to traditional GICs, up to a specified maximum return.
A traditional GIC provides a fixed return known at the time of purchase and may be redeemable or non-redeemable depending on the type of GIC (e.g. cashable GICs vs. non-redeemable).
Which winwin® products are available?
The following products and terms are included in the current offering:
- winwin® Canadian Markets: 2-year and 4-year terms
- winwin® Global Markets: 2-year and 4-year terms
- winwin® Financial Services: 3-year and 5-year terms
- winwin EarthLink™: 3-year and 5-year terms
Is there a guaranteed return? Is my principal protected?
Each product and term may or may not offer a minimum guaranteed rate of return and the minimum guaranteed rate of return (if any) may change from one sales period to another. The minimum guaranteed rate of return may be zero, allowing you to always protect your principal investment when held to maturity. Members should review the full product agreement for applicable eligibility requirements, redemption conditions, and other terms.
What does “maximum potential cumulative return” mean?
It is the highest total market-linked return that may be earned over the full term of the investment. It is not an annual rate and is not guaranteed.
How is the final return calculated?
You could experience a higher than usual interest rate payment on the maturity date of a winwin® term depending on the final index performance. In the final year, the interest rate paid would be the difference between the final rate of return minus the minimum rate (if any) already paid. Please seek independent tax advice as required for your unique financial situation
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* Rates as of the start date communicated in the disclosed promotion period.
The minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return that you may receive at maturity. Terms and conditions apply.
The return of a winwin® GIC depends on the performance of the index return that it is linked to over a certain time period, the Minimum Guaranteed Return and the Maximum Potential Cumulative Return.- If the index return is between the Minimum Guaranteed Return and the Maximum Potential Cumulative Return, you will receive the principal plus the index return.
- If the index return is below the Minimum Guaranteed Return, you will receive the principal plus the Minimum Guaranteed Return.
- If the index return is above the Maximum Potential Cumulative Return, you will receive the principal plus the Maximum Potential Cumulative Return.
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- Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
- This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
- This deposit and minimum interest accrued on the deposit is 100% guaranteed.
- The interest paid at maturity is subject to a maximum. If the yield of the Securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.
- This deposit may not be hypothecated or given as security.
- Given the features of this kind of investment, you should check with your advisor to make sure that such an investment meets your investment objectives as the investment is not suitable for everyone.
- The above statements and information are for informational purposes only. The information contained above is not complete and is qualified in its entirety by the full terms and conditions of the winwin® GIC. Please speak with an advisor to review the full terms and conditions of the winwin® term deposit.