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    What’s a Market Advantage GIC and is it for me?

    What’s a Market Advantage GIC and is it for me?

    February 23, 2026

     

    Guaranteed Investment Certificates (GICs) are simple and reliable ways members like you can grow your savings. Your money is invested for a set period, and the return you earn depends on the specific GIC you choose. Some are built to offer more growth potential, and that's where Market Advantage GICs shine. They bring you the best of both worlds, offering peace of mind with the opportunity to earn more when markets are performing well.

    What makes Market Advantage GICs different?

    1. Market-linked potential: Instead of locking in a fixed rate, your return is tied to the performance of selected Canadian and American market indexes. This means you could earn more than you would with a traditional GIC when markets perform well.

    2. No fees or commissions: With no added costs, more of your money stays in your pocket.

    3. Guaranteed principal: No matter what happens in the market, your original deposit is fully protected. You'll never lose the money you put in.

    4. Convenience: Benefit from the simplicity of a single investment without having to track daily market changes. It's a hands-off way to work towards your savings goals.

    Who is a Market Advantage GIC for?

    A Market Advantage GIC is a strong choice for members who want their money to work harder while keeping their wealth strategy low-stress and secure. It might be particularly valuable to you if:

    • You're actively building your savings and want an investment that keeps up with your momentum.

    • You already hold multiple Servus products and want to diversify your portfolio in a low-risk way.

    • You're new to investing and are looking for a way to dip your toes into the markets without potentially losing your original investment.

    • You have a savings goal a few years away and want an investment that balances stability with growth.

    So, is investing in a Market Advantage GIC right for you? Ask yourself:

    1. Do I want the potential to earn more than traditional GICs offer?

    2. Do I want security by ensuring my principal stays protected?

    3. Am I comfortable leaving my money invested for the full term?

    A "yes" to these questions means a Market Advantage GIC could be a great way to build your wealth. And if you're looking for personalized guidance along the way, our wealth experts are here to help you move forward with confidence.

    Ready to learn more? Inquire now.