
Traditional GIA Enjoy the win-win of safety and performance.
Bonus! We increase return rates on deposits over $10,000.1
Return
Up to 3.45%
Risk
Low
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How does a Guaranteed Interest Account (GIA) work? Simply put, it's like lending your money to an institution for a term that you determine when you initially sign a contract.
At maturity, you get back all the money you “loaned”, plus predetermined and guaranteed interest. This play-it-safe option rules out the unexpected.
The basics
What do I need to consider?
The more you invest, the better the rate of return.
Bonus! We increase return rates on deposits over $10,000.1
Like a loan, your investment has a term that you choose with your advisor when signing a contract.
The longer the term, the more attractive the return rate.
These funds are then invested until the end of the contract, unless you choose a redeemable GIA. Just make sure you don’t have any plans for this money until then!
You have 2 options with a traditional GIA:
- Redeemable GIA for the choice to make an early withdrawal. 2
- Non-redeemable GIA for a more attractive rate, but you’ll have to wait until the maturity date to get your investment back.