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This GIC allows you to customize how long, how often, and how much you receive from your investment. You can also choose how much of your principal will remain at the end of your term. Your regular recurring payments are a combination of your principal and interest earned.

Is It Right for You?

The Income Builder GIC is an ideal investment if you want a guaranteed way to generate cash flow you’re retirement savings, or if you want to create regular payments from a lump sum of money.


Ready to Buy a GIC or Need Advice?


You are on: Features & Benefits

Key Features:

Minimum Investment $5,000(1,2)
Terms 1, 2, 3, 4, 5, 10, 15 & 20 year terms available
Interest Payment Options
  • Bi-weekly
  • Monthly
  • Quarterly
  • Semi-annually
  • Annually

Interest rates will depend upon the regular recurring payment amount you will receive relative to the initial amount invested and the current interest rate environment.

View today’s rates

Access to Funds All or part of the principal will be repaid as specified in your customized payment schedule, however, any other principal is non-redeemable prior to maturity
Plan Eligibility Non-Registered & TFSA
CDIC (opens new window) Eligible Yes


Competitive Interest Rates Maximize returns with longer term interest rates
Flexibility Customized payments to suit your needs
Security Guaranteed rate of return and payment amounts

For more information or to invest in an Income Builder GIC, refer to the fact sheet (opens PDF in new window), visit your nearest RBC Royal Bank branch or call 1-800-463-3863 to talk to an investment specialist.

1) Available to both personal and non-personal clients for investments of up to a maximum of $999,999.99.
2) Minimum payment amount is $50.

You are on: Interest Rates