Why Invest in GICs

  • Security and safety—both your original investment and interest payments are guaranteed1
  • 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

Guaranteed Return GICs

Offer a fixed rate return for a specific term, with both principal and interest guaranteed.

Interest Rate-Linked GICs

Benefit from any increase in Royal Bank Prime without having to adjust your investments.

RBC Equity-Linked GICs

Offer the growth potential of equity markets with guaranteed principal protection2.

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The level of return on the RBC MarketSmart GICs is not guaranteed although several of these GICs offer a guaranteed minimum return feature.
These GICs do not pay you regular interest income or provide a guaranteed rate of return. It is possible that there may be no return. For full product details, including how the variable return is calculated, please refer to the relevant GIC listed on this page, visit your nearest RBC branch or call 1-800-463-3863.