Guaranteed Investment Certificates (GICs)

Guaranteed Investment Certificates (GICs)

GICs are secure investments that guarantee to preserve your money. Your investment earns interest, at either a set or a variable rate, or based on a market-linked formula. Most portfolios should include some proportion of GICs (or other conservative fixed income investments) to balance the more aggressive investments.

Guaranteed-Return GICs

	Non-Redeemable & Redeemable GICs: Offer a fixed rate of return for a specific term, with both principal and interest guaranteed.
	Building Block GIC®: Designed for you to automatically save regularly and pays the same guaranteed rate as you accumulate funds.
	Five-in-One GIC®: Your principal is divided into five equal portions with maturities of one to five years.
	One-Year Cashable GIC™: Cashable at any time with interest paid if held for 30 days or longer.
	RateAdvantage GIC®: Guaranteed interest rate increases at each anniversary date.
	U.S. Dollar Term Deposits: Offers a fixed rate of interest for a specific term.

Interest Rate-Linked GICs

	Prime-Linked Cashable GIC®: A GIC whose interest rate is linked to the RBC Royal Bank Canadian prime interest rate.

Market-Linked GICs

	Canadian Market-Linked GICs®: A GIC linked to increases in the S&P/TSX 60 Index.
	Global Market-Linked GICs®: A GIC linked to increases in a weighted basket of international stock-market indices.

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