G.I.C.’s: Your Portfolio’s Foundation

Sleep Well At Night With A Locked In, Guaranteed Investment.

gicGICs are secure investments that guarantee to preserve your principal. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula. GICs often form the foundation of a well-balanced portfolio.


  • Security and safety—both your original investment and interest payments are guaranteed(2)
  • Competitive interest rates—guaranteed for the full term of the investment
  • Flexible investment terms—ranging from one day to five years, and seven years and ten years
  • Choice of interest payment frequencies e.g. monthly, annually
  • Eligible for registered investment plans


The money you invest in a GIC is safe. You’ll receive 100% of your principal when the investment comes due. And, in most cases, you’ll earn a guaranteed return. Your GIC investments may also be eligible for Canada Deposit Insurance Corporation (CDIC) protection.


GICs add stability to your investment portfolio. Diversifying through GICs can help offset the ups and downs of the stock market and other investments. This can help reduce overall portfolio risk.


Investing in cashable GICs means your money earns competitive returns while remaining available when you want it. Many GICs allow you to cash in all or part of your investment.

Steady Income

Need regular income? GICs can provide a steady, predictable income stream from interest earned on your investments. We will suggest term investments that offer a variety of interest payment options, including monthly, quarterly, semi-annually and annually.

Range of Choices

The flexibility of GICs can help meet any investment objective, no matter what your time horizon. Choose from terms ranging up to 10 years. Invest in a conventional GIC that pays guaranteed interest or take advantage of GICs linked to financial market performance that can offer enhanced returns.