Traditional GIA
Guaranteed interest account: Play it safe with a sure payout

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A Locked-in Retirement Account (LIRA) is a type of registered pension fund used to hold your pension savings with a former employer. Even if you can’t continue to save with a LIRA, you can still manage your investments to reflect your retirement goals.
You control your investments, so your strategy reflects your needs, not those of employees at your former job.
LIRA funds aren’t meant to be unlocked. You could say it keeps your money safe from yourself, so it’s there when you need it at retirement.
If you have a pension fund with a former employer or a LIF that you would like to lock-in again, that’s your cue to get in touch with one of our advisors about a LIRA.1
Together, we map out a plan for the retirement you want based on the funds you have in your LIRA, including investment horizon and your risk profile.
A specific feature of the LIRA is that you cannot contribute to it over the years. But, unlike a pension, you control 100% of your investments and you can change them as your needs change.
You can't withdraw early from a LIRA, save for specific exceptions. This makes it perfect for discipline. Watch your investment earnings grow tax-sheltered until withdrawn. With this account, you’re playing the long game for the win!
The scenario shown here is for demonstration purposes only and should not be relied upon as financial or other advice.2
We take great care in proposing diversified investments adapted to your profile.
Tap into performance-focused investment products.
Sums invested in savings and retirement plans are protected by Assuris. See the leaflet for full details.
Guaranteed interest account: Play it safe with a sure payout
A hybrid guaranteed interest account: Market exposure meets guaranteed earnings
Diversified funds and portfolios that deliver on performance
Investing with capital guarantees and protection against market downturns
Guaranteed retirement income, even during times of economic instability