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Discover and compare the highest-yielding GICs, Savings Accounts, Bonds, and Investment options across Canada
Why Compare GIC Rates and Investment Options?
In today’s dynamic financial landscape, making informed decisions about your investments is more crucial than ever. Whether you’re planning for retirement, saving for a major purchase, or looking to diversify your investment portfolio, finding the best GIC rates and investment options in Canada can significantly impact your financial future.
5.75%
Current Top GIC Rate
40+
Financial Institutions
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Maximize Returns
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Benefits of Comparing Investment Options
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Benefits of Comparing Investment Options
Discover and compare the highest-yielding GICs, Savings Accounts, Bonds, and Investment options across Canada
Compare the Best Bond GIC Rates in Canada
Find top-performing Guaranteed Investment Certificates, Bonds, and Savings accounts all in one place.
Understanding Canadian GICs: Your Path to Secure Investment
What is a GIC?
A Guaranteed Investment Certificate (GIC) is a secure investment product offered by Canadian financial institutions. When you purchase a GIC, you’re essentially lending your money to the bank for a specific period in exchange for guaranteed interest payments.
Types of GICs
1. Non-Redeemable GICs
Non-redeemable GICs offer higher interest rates but require you to keep your funds invested until maturity. These are best for investors who won’t need early access to their money. The locked-in nature allows financial institutions to provide more competitive rates, usually 0.25% to 0.75% higher than redeemable GICs.
Key Benefits:
✔ Highest available interest rates
✔ Terms from 30 days to 10 years
✔ Guaranteed returns, unaffected by market changes
✔ Ideal for retirement planning and fixed-income strategies
2. Redeemable GICs
Redeemable GICs provide flexibility, allowing early withdrawals (often with penalties). While interest rates are lower, they offer peace of mind for investors who may need liquidity.
Key Features:
✔ Early withdrawal options (with possible penalties)
✔ Interest rates typically 0.25% to 0.75% lower than non-redeemable GICs
✔ Minimum holding periods (usually 30-90 days)
✔ Suitable for emergency funds or uncertain financial needs
3. Market-Linked GICs
These GICs combine principal protection with potential market-based returns. Your initial investment is guaranteed, while earnings depend on the performance of a market index (e.g., S&P 500).
Key Characteristics:
✔ 100% principal protection at maturity
✔ Returns tied to stock market performance
✔ Various index options available
✔ Typically 3-7 year terms
✔ May include participation rates (affecting final payout)
4. Escalating Rate GICs
These GICs feature increasing interest rates at set intervals, making them ideal in a rising-rate environment.
Notable Features:
✔ Interest rates rise at predetermined intervals
✔ Common terms: 3-5 years
✔ Higher average yield than fixed-rate GICs
✔ Protection against interest rate hikes
5. Foreign Currency GICs
Available in currencies like USD, EUR, or GBP, these GICs allow investors to earn interest while potentially benefiting from currency fluctuations.
Important Considerations:
✔ Available in major global currencies
✔ Potential gains from currency appreciation
✔ Involves currency exchange risk
✔ Often require higher minimum investments
✔ Ideal for international diversification
Each type of GIC serves different financial goals—whether you prioritize high returns, flexibility, market exposure, or currency diversification. Choose based on your risk tolerance and investment timeline.
Competitive Rates
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CDIC-insured investments up to $100,000, ensuring your money is protected
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