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GIC - Guaranteed Investment Certificate

GICs
Guaranteed Investment Certificates are interest-bearing investment options. We have access to lots of rates and terms. These are guaranteed rates and guaranteed terms from the various Life Insurance Companies in Canada.

Current GIC Investment
Despite the low interest rate environment in Canada over the last 15 years, currently over $800 Million of wealth in Canada is still placed in GICs earning low after-tax returns.

The problem with this investment strategy is:
  • Low rates of return for many years
  • Interest income is 100% taxable
  • Increasing your income decreases your capital

What these investors are looking for...
More people are looking for better ways to increase their income using their assets without risk to their capital investment or being exposed to fluctuating equity markets.

GIC investors are looking for:

  • A higher yield
  • No risk to the capital
  • Reduced taxable income

 

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